Merry Christmas!!

Dave Ramsey Explains Term Life

Hi all! Primerica tries to educate people on the best financial information. Third party information is also a great tool to educate. Here's Dave Ramsey explaining how term life insurance works and why whole life is not good:
http://www.youtube.com/watch?v=3b-q8MLfH2w

If you need help, email me: cgivens2006@gmail.com

If you still think Whole Life Cash Value Life Insurance is What You Need...

If you still think Whole Life Cash Value life insurance is what you need, watch the YouTube below. I'll post several items about it but for this first one it is Suze Orman! Term Life Insurance is the way to go. Whole Life goes by several names just to fool you, but it ends up being the same thing. And just so you know, all insurance companies have to reinsure the insurance they sell and the whole life companies buy term when they reinsure. Something to think about!!!!
http://www.youtube.com/watch?v=6vnN9liFWaE

Email me if you need help: cgivens2006@gmail.com

Debtwatchers™ Is Here!!!

Just posted press releases for a new product my company is offering:

It is very exciting to tell you about DebtWatchers™(1), a totally innovative new product that allows you to use information in your Equifax Credit Report™(2) to put together a simple-to-understand plan for paying off your debt.*

Once you establish your plan, structure and accountability are automatically built into the product, with monthly communications informing you whether you are on target with your plan. Plus, you also get access to your FICO® score,(3) credit monitoring, identity theft insurance(4) — and much more!

Want more info? Contact me or go to http://my.primerica.com and click on the "Learn More" link to get detailed information about this revolutionary new product.

Once you are ready to sign up, click on the "Register for an account" link and follow the instructions to register and subscribe to your product. Enter my five-digit alphanumeric code number: LCEL2, follow the sign up instructions and get on your way to debt freedom today!

Claudia Givens
Registered Principal
251-285-5388




1 DebtWatchers™ is a trademark of Primerica Client Services, Inc
2 Equifax Credit Report™ is a trademark of Equifax Inc.
3 FICO® is a registered trademark of Fair Isaac Corporation.
4 Identity theft insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions.
* DebtWatchers not available for residents of Washington, D.C.
* Primerica, representatives of Primerica, Equifax and DebtWatchers will not act as an intermediary between DebtWatchers customers and their creditors and do not imply, promise or guarantee that their credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by use of the DebtWatchers product.
See http://my.primerica.com for additional Important Disclosures.



http://www.prlog.org/10371605-debtwatchers-is-here.html

THE TRUTH ABOUT THE HEALTH CARE BILL

Did President Obama lie? ... Paula Yingst Sep 11 2009 11:00AM
Michael Connelly is a Constitutional lawyer and has read the entire health care bill. He has some comments, not just about the bill, but also about the effects to our Constitution it would have. It's a much broader picture than just health care "reform."
All of you and those to whom you communicate had better sit up and pay attention; once this sort of thing happens, it will be irreversible.
___________________________________________________
http://michaelconnelly.viviti.com/ Take a look, let me know what you think. This blog concentrates on my concerns as an attorney about the imminent and growing threats to our Constitution and our form of government. We have reason to be very afraid of what is happening.

THE TRUTH ABOUT THE HEALTH CARE BILL Well, I have done it! I have read the entire text of proposed House Bill 3200: fhe Affordable Health Care Choices Act of 2009. I studied it with particular emphasis from my area of expertise, constitutional law. I was frankly concerned that parts of the proposed law that were being discussed might be unconstitutional. What I found was far worse than what I had heard or expected. To begin with, much of what has been said about the bill and its implications is in fact true, despite what the Democrats and the media are saying. The bill does provide for rationing of health care, particularly where senior citizens and other classes of citizens are involved, free health care for illegal immigrants, free abortion services, and probably forced participation in abortions by members of the medical profession. The bill will also eventually force private insurance companies out of business and put everyone into a government-run system. All decisions about personal health care will ultimately be made by federal bureaucrats, and most of them will not be health care professionals. Hospital admissions, payments to physicians, and allocations of necessary medical devices will be strictly controlled. However, as scary as all of that is, it just scratches the surface. In fact, I have concluded that this legislation really has no intention of providing affordable health care choices. Instead, it is a convenient cover for the most massive transfer of power to the Executive Branch of government that has ever occurred, or even been contemplated. If this law or a similar one is adopted, major portions of the Constitution of the United States will effectively have been destroyed.

The first thing to go will be the masterfully crafted balance of power between the Executive, Legislative, and Judicial branches of the U.S. Government. The Congress will be transferring to the Obama Administration authority in a number of different areas over the lives of the American people and the businesses they own. The irony is that the Congress doesn't have any authority to legislate in most of those areas to begin with. I defy anyone to read the text of the U.S. Constitution and find any authority granted to the members of Congress to regulate health care. The paragraph below is really frightening. This legislation also provides for access by the appointees of the Obama administration of all of your personal health care information, your personal financial information, and the information of your employer, physician, and hospital. All of this is a direct violation of the specific provisions of the 4th Amendment to the Constitution protecting against unreasonable searches and seizures. You can also forget about the right to privacy. That will have been legislated into oblivion regardless of what the 3rd and 4th Amendments may provide.

If you decide not to have health care insurance or if you have private insurance that is not deemed "acceptable" to the "Health Choices Administrator" appointed by Obama, there will be a tax imposed on you. It is called a "tax" instead of a fine because of the intent to avoid application of the due process clause of the 5th Amendment. However, that doesn't work because since there is nothing in the law that allows you to contest or appeal the imposition of the tax, it is definitely depriving someone of property without due process of law. So, there are three of those pesky amendments that the far left hate so much out the original ten in the Bill of Rights that are effectively nullified by this law. It doesn't stop there, though.

The 9th Amendment provides, "The enumeration in the Constitution of certain rights shall not be construed to deny or disparage others retained by the people."

The 10th Amendment states, "The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are preserved to the States respectively, or to the people." Under the provisions of this proposed bill, neither the people nor the states are going to have any rights or powers at all in many areas that once were theirs to control. I could write many more pages about this legislation, but I think you get the idea.

This is not about health care; it is about seizing power and limiting rights. Article 6 of the Constitution requires the members of both houses of Congress to "be bound by oath or affirmation" to support the Constitution. If I were a member of Congress, I would not be able to vote for this legislation or anything like it without feeling I was violating that sacred oath or affirmation. If I voted for it anyway, I would hope the American people would hold me accountable. For those who might doubt the nature of this threat, I suggest they consult the source.

Here is a link to the Constitution:

http://www.archives.gov/exhibits/charters/constitution_transcript.html
And another to the Bill of Rights:

http://www.archives.gov/exhibits/charters/bill_of_rights_transcript.html ;

There you can see exactly what we are about to have taken from us, if Obama and the left wing Democrats have their way.

Michael Connelly

Retired attorney,

Constitutional Law Instructor Carrollton,

Texas mrobertc@hotmail.com

Michael Connelly Author: www.trafford.com/04-2710

I also teach law courses via the Internet through colleges and universities worldwide. To find a college or university near you, go to Education To Go's website at
http://www.ed2go.com/

"He also forced everyone, small and great, rich and poor, free and slave, to receive a mark on his right hand or on his forehead, SO THAT no one could buy or sell unless he had the mark ..." (Revelation 13:16-17, NIV).