There are clear exceptions to this rule, however. Many lenders who operate online are willing to work with people whose credit scores are lower than ideal. Why? Many of these lenders understand that in cases where bad credit is a thing of the past, a second (or even third) chance is warranted. These lenders will give home loans to those with bad medicals credit because they believe you have the ability and willpower to succeed.
Now you may be wondering why people who buy no medical life insurance are among the riskiest customers around? The reason this tends to be true is that people who are already in good or OK health will usually go to the trouble of getting a medical exam when they medicals fake life insurance because they know the rates will be lower.
Sunshine - Free, I don't really need to say much about this, other than you need to get yourself out there, medicals bad and fake catch some rays, maybe 10-15mins of your time. Which I guess is a cost, but the benefits sure do outweigh the cost.
The fact is that the low premium amounts will only give you a low policy. And it comes down to basic economics. People who tend to buy life insurance without a medical exam are among the riskiest people to be insuring. So for large policies, rates have to be correspondingly high.
Unless you have cash up front, you can drive off the car lot in your new car. In this day and age, most people do not go this route. They pay for their cars through financing. To avoid any problems, people should pay their car loans on time. What often happens is the opposite. They end up defaulting on their monthly payments. This is because they have to stretch their budget to take care of other important needs, such as mortgage loans and medical procedures.
But in more cases than not, the funders of the study have a vested interest in the results, so guess what? They are skewed or even false. Important factors are overlooked, or left out completely, whatever it takes to produce the desired results to report. Scared yet?
For me, even though I'm not transcribing all day, I find things like Facebook and Twitter to be the "good news/bad news." They provide a great tool for me to stay informed. Even the searches I have programmed in my Google reader are great for staying connected. Throughout the day, these things can also be a great break away from the monotony of the day. At the same time, they can be a huge time waster if I'm not careful to watch how long I stay on each site. For home-based MTs, these are a great way to stay connected; just don't let it become like the office MT who takes a 15 minute break and ends up coming back an hour later!