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The accusations against the three included the backdating of options to when Comverse stock had been trading at low prices, the use of fake names of option holders, and the creation of secret funds in which to hold the illicit gains.
As you can see in the example above – having to pay out 4 premiums in back coverage costs far less money than sustaining the financial blow of another birthday. BUT if you are holding a term policy and think you may only need it for a couple of years, this is not a good option at all because you won’t break even. If your circumstances are similar to my 60 year old client above and you have to pay out 3.08 in back premiums but are able to take advantage of the lower monthly payment, in three years you will have more than broken even!

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Filipino Americans constitute the second-largest population of Asian Americans, and the largest population of Overseas Filipinos.The first recorded presence of Filipinos in what is now the United States dates to October 1587, with the first permanent settlement of Filipinos in what is now the United States being established in Louisiana in 1763.The demographics of Filipino Americans describe a heterogeneous group of people in the United States who can trace their ancestry to the Philippines.As of the 2010 Census, there were 3.4 million Filipino Americans, including Multiracial Americans who were part Filipino, with the United States Department of State in 2011 estimating the population at 4 million.In the United States' insular areas in 1920, the Philippine Islands had the largest population of 10,207,696; Guam had 396; the Panama Canal Zone had 10, the Virgin Islands had 7, and there was a single Filipino in Puerto Rico.In 1930, the Filipino population in Puerto Rico increased to 6, the population in the Virgin Islands decreased to 4, the population in Guam decreased to 364, and the population in the Panama Canal Zone increased to 37.In 1970, the New York metropolitan area had the largest concentration of Filipinos (12,455) east of the Rocky Mountains, and fifth largest population of Filipinos of all metropolitan areas in the United States.In 2010, according to the 2010 United States Census, there were 217,349 Filipino Americans, including Multiracial Filipino Americans, living in the New York-Northern New Jersey-Long Island, NY-NJ-PA metropolitan area.

Filipino Americans can be found throughout the United States, especially in the Western United States and metropolitan areas.

In California, Filipinos were initially concentrated in its Central Valley, especially in Stockton, but later shifted to Southern California and the San Francisco Bay Area.

Other states with significant populations of Filipinos include Hawaii, Illinois, Texas, and Washington.

On average, Filipino Americans earn a higher average household income than the national average, and achieve a higher level of education than the national average. Life expectancy for Filipino Americans is higher than the general population of the United States; however, survival rates of Filipino Americans diagnosed with cancer are lower than European Americans and African Americans. Among Asian Americans, Filipino Americans are the most integrated in the American society, who are described by University of California, Santa Barbara Professor Pei-te Lien as being "acculturated and economically incorporated".

as of 2011, there are 1,813,597 Philippines-born immigrants living in the United States, who are 4.5 percent of all immigrants in the United States, of which 65 percent have become naturalized U. Statistically, Filipino American women are more likely to marry outside of their ethnicity (38.9 percent) than Filipino American men (17.6 percent); other Asian American populations have lower rates of marrying outside of their race than both Filipino American men and women.