Articles written by Darrell Victor - Page 55

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About me - Darrell Victor

I am a former insurance advisor from the Caribbean. Even though I worked in the financial sector and am currently pursuing an accounting qualification, my subject interest is primarily Social Psychology. However, being involved with the insurance industry

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Arts & Humanities > European History The use of the guillotine outside of France: 3 of 3
The French killing-machine known as the guillotine was created in 1792. At the time, the guillotine was not based on an original concept. It was adapted from earlier beheading machines such as the Irish Maiden and the Halifax Gibbet. In assessing the use of the guillotine outside of France, post-1792 adaptations of the behea... More..
Personal Finance > Insurance Basics Risk and insurance: 3 of 3
Insurance is the ultimate risk management device. Risk is a part of our lives because of uncertainty and the lack of control that we have over events. Not all risks are insurable and not all insurable risks are worth covering. Risks that are insurable must meet specific criteria. The idea behind this is to discourage illegal... More..
Sports & Recreation > Sports & Recreation (Other) Understanding the art of reverse swing in cricket: 2 of 2
Some fast/swing bowlers rely heavily on swinging the ball to trouble batsmen. Naturally, there are known techniques and methods that such bowlers use to swing the ball. Sometimes the cricket ball swings in an unconventional manner, without a change in grip, seam position or bowling action. That unconventional swing is known ... More..
Personal Finance > Financial Planning Financial planning: How to be your best asset: 2 of 2
There are few resources greater than human resources. In financial planning, this notion is very relevant. You can certainly be your best asset in financial planning. By the same token, you could be your worst asset; crippling your financial plan to the extent that you exist in eternal financial woe. You cannot be your best ... More..
Personal Finance > Life Insurance Life insurance underwriting explained: 2 of 2
Life insurance underwriting is about risk assessment just as life insurance is about risk management. The premise for underwriting does not arise from the mere existence of risk, but from the reality that all risks are not equivalent. Since the premium level is associated with the risk level, life insurance underwriting is n... More..
Personal Finance > Life Insurance The benefits of term life insurance: 2 of 2
'What is term life insurance?' is an important question to ask before assessing the benefits of term plans. Term life insurance- also known as 'term insurance'- is a life insurance contract that exists for a limited period or up to a specified age (typically below 100). It is also known as 'pure' life insurance because there... More..
Sports & Recreation > World Cup Soccer History of the Copa America: 2 of 2
The oldest official international association football competition- the "Copa America"- was officially conceived in 1916. The Copa America is the premier international football competition in the Western hemisphere (my apologies to the CONCACAF Gold Cup). Officially, the start date at 1916- as part of the Argentine Independe... More..
Personal Finance > Life Insurance What is universal life insurance?: 2 of 2
The development of the Universal Life (UL) plan has somewhat redefined the view of life insurance. Whole Life plans operated with cash values that significantly lagged behind the accumulated premiums. The Universal Life plan is unique in that it embodies an interest-bearing accumulated fund. This ensures that the cash value ... More..
Personal Finance > Retirement Will retirement soon be obsolete?: 2 of 2
The conventional approach to retirement is that you work until you reach your 'retirement age'. The idea was that when you reach that age, you must retire until you expire. There also exists the perspective that retirement is a 20th century phenomenon that is changing in the 21st century. It is difficult to deny that the con... More..
Personal Finance > Life Insurance Life insurance: How to determine if you're overinsured: 2 of 2
If your family would be better off with you dead instead of alive; you may have too much life insurance. Financial underwriting assists us in ensuring that you do not have more insurance than you really need. It ascertains that your life insurance cover should not be higher than a certain percentage of your future economic v... More..