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  • The 5 C’s of Credit…credit worthiness

    • November 11, 2014
    • Posted by: Brian Poncelet
    • Category: Annuity, Approved, Disability Insurance, Federal Politics, Hollywood, Life Insurance
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    Here is the 5 C’s of credit worthiness: 1. Character What is the history of past repayment of debt. 2. Capacity Can they afford it? See GDS and TDS ratios 3. Capital Really net worth..like house (less mortgage, line of credit) 4. Credit Credit bureau and current debt levels 5. Collateral Can the debt be

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  • TDS ratio (total debt service ratio)

    • November 10, 2014
    • Posted by: Brian Poncelet
    • Category: Approved, Disability Insurance, Federal Politics, Hollywood, Life Insurance, World News Insurance
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    What is the TDS and what does it mean? A debt service measure that financial lenders use as a rule of thumb to give a preliminary assessment of whether a potential borrower is already in too much debt. More specifically, this ratio shows the proportion of gross income that is already spent on housing-related and

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  • The Upside-down pyramid

    • November 20, 2013
    • Posted by: Brian Poncelet
    • Category: Approved, Federal Politics, Hollywood, Life Insurance
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  • Breaking Bad and Life insurance for Bryan Cranston (Walt White)

    • July 29, 2013
    • Posted by: Brian Poncelet
    • Category: Approved, Hollywood, Life Insurance, World News Insurance
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      The TV series Breaking Bad follows protagonist Walter White (Bryan Cranston), a chemistry teacher who lives in New Mexico with his wife (Anna Gunn) and teenage son (RJ Mitte) who has cerebral palsy. White is diagnosed with Stage III cancer and given a prognosis of two years left to live.   During the first season I think

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