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• Sales Rank: #9288915 in Books
• Published on: 2002
• Binding: Paperback
• 187 pages

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[R928.Ebook] PDF Download New Life Insurance Investment Advisor: Achieving Financial Security for You and your Family Through Today's Insurance Products, by Ben Bal

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"For anyone who needs to understand different types of life insurance, as well as considerations for purchasing and managing policies, this book should be on your nearby reference shelf. If you’ve frequently found yourself fumbling around with terminology, such as the differences between variable, universal, and variable universal life (VUL) policies, you’ll finally see some light through the haze." - MorningstarAdvisor.com

Life insurance doesn't have to be complex or intimidating. Ben Baldwin's completely revised and updated guidebook makes it clear and logical, discussing how to analyze insurance products based on their investment merits and best overall financial returns. This clear, authoritative resource for consumer insurance information covers the pros and cons of Internet purchases, techniques to use capital within a policy, the fixed premium feature, insurance for different stages of life, and the new emergence of "immediate annuities."

• Sales Rank: #244838 in Books
• Published on: 2001-08-15
• Original language: English
• Number of items: 1
• Dimensions: 8.70" h x 1.20" w x 6.30" l, 1.68 pounds
• Binding: Hardcover
• 400 pages

From the Back Cover

Today's Most Authoritative Resource on Term Life, Whole Life, Universal Life, Variable Life, and More­­and Which Products Are Best for You and Your Family

Life insurance has evolved from a sleepy, slow-growing financial product into one of today's most dynamic, adaptable investment vehicles. From the simplicity of term life to the complexity of variable universal life, the choices seem nearly as endless as the possibilities.

The New Life Insurance Investment Advisor, Second Edition, explains how to analyze insurance products based on their investment merits and overall financial returns, and gives you the facts you need to make the logical, financially intelligent insurance decision. This clear, authoritative resource for consumer insurance information avoids financial double-speak and endless calculations to give you hands-on information concerning:

• Optimal insurance products for different life stages
• Innovative techniques to use the capital hidden in your policy
• Where to find the best deals­­and avoid getting burned­­buying insurance on the Internet

Life insurance has truly become life insurance, meant to provide financial benefits throughout your entire life. Let The New Life Insurance Investment Advisor introduce you to the many facets of today's life insurance landscape, and show you how to invest in a policy that will pay you today, tomorrow, and well into the future.

"The New Life Insurance Investment Advisor does not treat life insurance academically. It is a consumer's handbook. The objective is to provide the consumer with an understanding of the various life insurance policies available, how to choose among them and, most importantly, how to manage them once they own them."

­­From Chapter One

Life insurance has become an integral component of the average family's investment portfolio and­­as one of today's more informed, demanding consumers­­you rightfully require a thorough understanding of how and where your money is invested. The New Life Insurance Investment Advisor, 2nd Edition, provides you with that understanding and more.

This top-rated consumer reference guidebook­­now comprehensively revised and updated for 21st-century life insurance wants and requirements­­pulls back the curtain to reveal the inner workings of today's insurance industry. It goes beyond the mortality benefits of life insurance to describe the cash value aspects of life insurance, and techniques and strategies you can use to create an ongoing and accessible financial resource.

Term Life Insurance ... Whole Life ... Universal Life ... Variable Life ... Variable Universal Life ... All types of life insurance are covered in detail, giving you as much­­or more­­knowledge than the majority of insurance sales representatives. But beyond simply providing product knowledge, The New Life Insurance Investment Advisor gives you the practical, hands-on expertise to know which product will work best for you, and your unique situation. Use its plain language, no-nonsense descriptions to determine:

• Your place in the life insurance products matrix that professional financial planners and insurance salespersons follow
• How and why to change coverages when you find a better deal­­and what exactly constitutes a better deal for you
• Strategies to assure yourself a steady income stream through your retirement years­­plus a substantial, guaranteed life insurance benefit

Life insurance doesn't have to be complex or intimidating. The New Life Insurance Investment Advisor, Second Edition, explains life insurance in clear, logical terms, terms you can understand and use when making your insurance decision. Completely updated to reflect today's transformed financial environment, it is the best and most authoritative guidebook on the market.

About the Author

Ben G. Baldwin, CLU, ChFC, CFP, is president and owner of Baldwin Financial Systems, a registered advisory firm serving both individual and corporate clients. The winner of numerous sales awards throughout his career and a former member of the Board of Governors for the Certified Financial Planner Board of Standards, he has consulted for major insurance companies including New York Life, Transamerica, Prudential, CNA, AIG, ING, AXA, and Equitable. Along with the first edition of The New Life Insurance Investment Advisor, Baldwin also wrote The Complete Book of Insurance and The Lawyer's Guide to Insurance.

Most helpful customer reviews

91 of 94 people found the following review helpful.
So far, so good...
By M. Keen
I'm an avid reader and have ordered dozens of books through Amazon, but this is the first one I've taken the time to write a review for, because I believe this book can help others in the same situation I was.

I ordered this book when I was applying for Life Insurance, based on the investment strategy in Douglas Andrew's book, "Missed Fortune 101". I wanted to review another reference on life insurance to learn more about it, and to corroborate Andrews' strategy. This is the only other book I could find that discussed LI from a financial investment perspective. This is a very comprehensive book about LI. It's a large book, and so far I've only read portions, skipping around to the areas I needed to understand the type of policy I was applying for, and to justify in my mind that indeed it was the right one for me (I'm working with a financial planner who recommended a particular plan, and has largely focused his practice on Doug Andrews' strategy). This book gave me a lot of the information I needed to ask my agent questions about my policy. In fact, he was impressed with my questions and wanted the name of this book.

This is a very easy to read book, with plenty of *understandable* tables as examples. I have also found it to be very objective, discussing the tradeoffs of the different types of policies, and discussing in what personal situations a particular policy might be best. The intent of this book is clearly educational - there's no hidden agenda or bias that I can detect. The author has CFP, CLU, and CHFC credentials.

Finally, and very importantly, this author stresses the need to manage your life insurance policy over time, as you would any other investment - especially the flexible aspects of policies, and including, where necessary, 1035 transfers to a more appropriate policy.

38 of 42 people found the following review helpful.
The New Life Insurance Investment Advisor
By A Customer
This book is a must read, for anyone attempting to accumulate significant amounts of wealth and ample case reserves for a secure retirement. Once you grasp the full understanding of how best to pay for Life Insurance, the hardest part may be finding a qualified Financial Advisor to assist you over the long run. This is a long term arrangement, one that requires a long term Advisor, to assist you in doing what most people are not capable of doing....accumulating wealth. The book will also be a guide to refer back to, from time to time.

17 of 18 people found the following review helpful.
Great way to learn about insurance
By Swim Guy
The author did a geat job in explaining life insurance products. Those that have panned the book have a built in bias against insurance companies and their salesmen/woman. Fine, but I am waiting for one to write a cogent critique of why the author is wrong in his analysis. Frankly, I haven't found one financial services professional that can, even those that don't sale insurance products. Bottom line, the strategy makes sense for a many if not most folks who are trying to accumulate retirement $$. And yes the insurance industry makes good fees selling their products just like the securities companies make great fees with their products whether they are indexed mutual funds or stocks and bonds. I simply consider this the cost of doing business and move on. So what if someone makes some money helping you have a more comfortable retirement. Read it, take the ideas seriously, and incorporate the ideas into your plan. I have.

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[U910.Ebook] Download Equilibrium Thermodynamics, by C. J. Adkins

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Equilibrium Thermodynamics gives a comprehensive but concise course in the fundamentals of classical thermodynamics. Although the subject is essentially classical in nature, illustrative material is drawn widely from modern physics and free use is made of microscopic ideas to illuminate it. The overriding objective in writing the book was to achieve a clear exposition: to give an account of the subject that it both stimulating and easy to learn from. Classical thermodynamics has such wide application that it can be taught in many ways. The terms of reference for Equilibrium Thermodynamics are primarily those of the undergraduate physicist; but it is also suitable for courses in chemistry, engineering, materials science etc. The subject is usually taught in the first or second year of an undergraduate course, but the book takes the student to degree standard (and beyond). Prerequisites are elementary or school-level thermal physics.

• Sales Rank: #1210412 in Books
• Brand: Brand: Cambridge University Press
• Published on: 1984-01-27
• Original language: English
• Number of items: 1
• Dimensions: 8.98" h x .67" w x 5.98" l, .99 pounds
• Binding: Paperback
• 300 pages

Features

• Used Book in Good Condition

Review
This third edition contains new material on fluctuations, solubility gaps and phase diagrams of simple alloy systems, and the fountain effect in liquid helium. Previously published by McGraw-Hill. -- Book Description

Most helpful customer reviews

16 of 17 people found the following review helpful.
Classical thermo, with clarity & rigor, for physicists
By dharmaraja
This is a beautifully clear into to thermo, treated purely as macroscopic phenomenology.
Equilibrium thermodynamics (or thermostatics, as some call it) has manifold applications-in physics, chemistry, biology, geology, engineering, etc. The author is a physicist, and selects his material accordingly. However, he does devote the penultimate chapter , ch.11 ("Systems of Several Components") to some chemistry-type applications including chemical reactions in ideal gases.
Prior to Adkins, most thermo books I studied merged thermo with statistical mechanics. Entropy treated the purely macroscopic or "thermo way" appeared to me abstract & unintuitive, and cycles with heat engines seemed an awkward import from engineering.
The author entirely avoids leaning on statistical mechanics for the main thrust of his arguments, but makes a few side remarks about stat mech on occasion. By keeping the thermo pure, he teaches the reader its power and beauty. Everyone should learn thermo this way, and Adkins is a superb guide for the mature physicist. He achieves the unusual feat of providing careful, rigorous arguments while keeping the narrative smoothly flowing and readable. In other words, he honors the intellectual integrity so essential in this discipline, but never stifles the reader with pedantry or excessive detail.
The problems are sometimes challenging, but with sustained effort, I could "crack" most of those I tried. It was only in chap. 11 that I started to find the problems too difficult, and that may well reflect my own lack of prior exposure in this area.
(By the way, Adkins derives entropy with heat engines and Carnot cycles, but those who like a less torturous or "gizmo-ridden" route to entropy will be pleased that he also includes Caratheodory's abstract argument.)
Bravo to the author for creating this first-rate textbook. I cannot praise it too highly.

4 of 4 people found the following review helpful.
Best classical thermodynamics text
By Daniel Matuszak
After many arduous sessions with other thermodynamics texts, I finally found a clear and intuitive explanation of the fundamentals in this text. I have been referring to this text as necessary for many years. -- Daniel Matuszak, NovoCatalysis

0 of 0 people found the following review helpful.
Clarity of Exposition
By G. A. Schoenagel
An exceptional introductory text emphasizing equilibrium thermodynamics as stand-alone topic.
Synopsis from the review of third edition in Journal of Chemical Education (Vol.62, No.4,1985) :
"...gem of a book, valuable resource,comprehensible and introductory..."
Familiarity with Calculus (including Partial Derivatives, of course), a bit of first-year Physics, and a
willingness to abstract thinking provide the student with the skills necessary to conquer this material.
Of particular merit is the Caratheodory treatment of Entropy (being additional---as it follows two chapters of traditional).
The sections pertaining to Kirchoff, Stefan-Boltzmann and Wein's Laws are most enjoyable to peruse, we read:
"...we shall avoid using electromagnetic theory here, instead, we shall think of the radiation as a gas of photons
and draw on some of the elementary results of the kinetic theory of gases."
The text touches upon the fundamentals in a manner which can hardly be improved upon, the prose enlightening.
The section discussing Legendre Transformation is brief, yet informative--the entire procedure described first in words,
equations then follow. ( A pedagogic tool worth remembering!) Another interesting qualitative exegesis revolves
around Clausius-Clapeyron Equation, again followed by which are the equations to accompany the prose.
All in all, a rather satisfying excursion into Classical Thermodynamics. This, at an elementary mathematical level.
Highly Recommended as enrichment for any undergraduate physics student.

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Studies the effect of Rome's geographic worldview on its politics

• Sales Rank: #2841526 in Books
• Published on: 2015-02-09
• Original language: English
• Number of items: 1
• Dimensions: 9.00" h x .80" w x 6.00" l, .0 pounds
• Binding: Paperback
• 276 pages

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[Z218.Ebook] Download PDF Legacy of Stoke: A Collection of the Stories That Made Us Surfers: Volume 1, by Joseph Tomarchio

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Legacy of Stoke: A Collection of the Stories That Made Us Surfers: Volume 1, by Joseph Tomarchio

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Legacy of Stoke is a collection of stories about the men and women who shared their love of the ocean with us. It's a campfire built in the sand where we revel in the tales of the people we have taught to surf and those who have taught us. Volume one includes stories by Austin Ware, Charlie Paradise, Froza Kaluhiokalani, Karen Shatafian, Katherine Hall, Kim Byrne, Klaude Kimura, Rebecca Heller, Richard Prause, Shane Lasby, Steven Zima, and Vail Duggan.

• Sales Rank: #93377 in Audible
• Published on: 2015-10-08
• Format: Unabridged
• Original language: English
• Running time: 118 minutes

Most helpful customer reviews

1 of 1 people found the following review helpful.
A View of the Power of Sharing
By Steven Zima
To me, this book in one sense is about the wonderful gift of surfing. On another level, it is about sharing what gives one joy. The surfers in the stories were given this gift by someone else for various reasons and passed it along. Whether by directly teaching someone or by passing on their story to inspire someone else.

The surfers in this book come from all walks of life. But in the end, no matter where they surf or what level; they all share a common love of being in the ocean.

1 of 1 people found the following review helpful.
What a great insight into the surfing community
By Kristin Taylor
What a great insight into the surfing community! The stories go beyond the sport itself- they make you feel how surfing effects lifestyle, spirituality, mental clarity, attitude, and overall outlook on life. Each story is different- there are stories of men, women, moms, and dads of varying surf experience from all over the world. They are sure to leave you with a little bit of stoke yourself- and itching to get in the water to catch your own wave.

1 of 1 people found the following review helpful.
This a fun read for surfers and non-surfers alike
By karen shatafian
This a fun read for surfers and non-surfers alike. It gives a taste of what it is like to learn to surf and the excitement that goes along with it. Whether you're a seasoned surfer or someone who watches from the sand, Legacy of Stoke will give you a little insight into how the love of surfing first takes hold.

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[J725.Ebook] Ebook Handbook of Medical Informatics, by Mark A. Musen

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The purpose of the Handbook is to provide systematic overview of medical and health informatics for health care professionals and for students in medicine and health care, who will be the clinical professionals of the next millennium. Health care professionals will use computers to support patient care, assess the quality of care, and enhance decision making, management, planning, and medical research. Computer-based patient records and electronic communications will be the most visible developments in the years ahead. The Handbook has been written by a host of renowned international authorities in medical and health informatics. The editors took much care that the Handbook would not be merely a collection of separate chapters, but rather would offer a consistent and structured overview.

• Sales Rank: #780320 in Books
• Published on: 2002-09-24
• Original language: English
• Number of items: 1
• Dimensions: 1.16" h x 6.64" w x 9.56" l, 2.75 pounds
• Binding: Paperback
• 628 pages

Most helpful customer reviews

0 of 0 people found the following review helpful.
THE TYPE IS SO SMALL THE BOOK WAS A WASTE OF MONEY AND
By E L Smith e24c41@sbcglobal. net
THE TYPE IS SO SMALL THE BOOK WAS A WASTE OF MONEY AND TIME

24 of 28 people found the following review helpful.
A first in Intenet compatible books
By Thomas L. Lincoln
This book not only covers all of the varied and important topics in Medical Informatics, it does so in a unique way using the conventions of the Internet. Key words appear in blue and are underlined. These words not only appear in the index, but the authors maintain a server where these references point to URLs with the latest updated information on the topic cited. Thus the book is an expert source to material far beyond what can be contained within its own pages.
A tour de force!
Thomas L. Lincoln, MD Research Professor of Medical Informatics University of Illinois at Chicago

5 of 7 people found the following review helpful.
Reasonable Intro to Medical Informatics
By A Customer
I have used this book for an intro. course and found it to be a reasonable beginner book. Medical Informatics is a broad topic to say the least, and any book attempting to summarize it will suffer from the task.
This book is slightly dated, but has a helpful web site.
If you want a broad exposure to MI then this is not a bad place to start.

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