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Universal Life Insurance

Universal life insurance is a variation on whole life insurance. It has considerable flexibility, but consider it a type of term insurance with a policy value fund attached. This type of policy allows the insured to determine the amount and the frequency of premium payments. It also allows policyholders to adjust the policy face amount, up or down, as needed. As a result, one policy serves through all kinds of changes in circumstances. Universal life has an insurance element, a savings element and expense element. Each month, a mortality charge is deducted from the policy’s cash value account for the cost of the insurance protection. This charge may also include an expense or loading charge. As premiums are paid, the cash value accumulates, interest is then credited to the policy’s cash value. As long as the cash value account is sufficient to pay the monthly mortality and expense costs, the policy will continue in effect. One other distinguishing factor of a universal life policy s the fact that partial withdrawals can be made from the policy’s cash value account. And the policy owner may surrender the policy for its cash value at any time.

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Al Dente

“Exceptional Italian”

Just returned from San Juan and found an incredible Italian Restaurant – Al Dente. We ate there twice with great food and a reasonable wine list. Spinach salad was a definite 10 as were most of the entrees. If you like Italian you will not be disappointed.

Visited March 2011

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  • Cuisines: Italian
  • 309 Calle Recinto Sur, San Juan 00901, Puerto Rico
  • 787/723-7303
  • Good for: Families with children, Romance, Doing business, Outdoor seating, Special occasions, Entertaining clients
  • Dining options: Lunch, Dinner, Reservations, Late Night, Dessert
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St. Germain Bistro & Cafe

White Sangria – Wow!

St Germain was a top rated restaurant by Trip Advisor so we made it a point to go while in San Juan. We were not disappointed, great food and good service. I highly recommend the white wine sangria.

Visited March 2011

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  • Cuisines: European
  • Good for: Families with children, Romance, Dining on a budget
  • Dining options: Breakfast/Brunch, Lunch, Dinner, Takeout, Late Night, Dessert
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Off The Wall

“The View is a 10+”

This is not my first visit to Off The Wall. What a great place!! Really good sandwiches and great pizza in a setting that screams out a Corona beach ad. Drinks are reasonable and the view is spectacular. If you want to go at sunset, go early to get a seat.

Visited March 2011

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  • Rte. 80, St. Croix
  • 340.778.4771
  • Good for: Families with children, Bar scene, Outdoor seating, Scenic view, Dining on a budget
  • Dining options: Lunch, Dinner, Takeout
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PieRiA

“Incredible Tapas”

Pieria is new, opening on Valentines Day 2011. This is a tapas restaurant with a very skilled chef and excellent service. We ate here twice during our recent visit to Old San Juan. The food was excellent and the wine selection was very good. The bar makes a really refreshing white sangria. The chef, the bartender and the hostess are your owners and they show sincere pride in their establishment. If you enjoy Tapas, this restaurant is incredible.

Visited March 2011

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  • Cuisines: International, Fusion, Asian fusion, Puerto Rican
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Brennan’s of Houston

“Revisit an old Favorite”

Brennan’s Houston has reopened. We just attended an unforgetable wedding in the court yard on a perfect March evening. I had forgotten how much I like this restaurant as I was genuinely concerned that it would not be the same after the recent fire. The remodeling after the fire brought this restaurtant back to original conditions and it is again one of Houston’s best places to go. The live jazz, cajun inspired cuisine and signature turtle soup make this again a great evening out with friends or with just your special someone.

Visited March 2011

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  • Cuisines: Cajun & Creole
  • Neighborhood: Midtown
  • Price range: $25-$100
  • Good for: Romance, Large groups, Doing business, Local cuisine, Special occasions, Entertaining clients
  • Dining options: Breakfast/Brunch, Lunch, Dinner, Reservations, Dessert

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The Olde Pink House

“Savannah Must Do”

The Olde Pink House serves traditional southern cuisine. The chef has made some excellent changes to enhance the southern food experience. The BLT salad was excellent as described on the Food Channel. My entre was good but not great and the wine list needs some additions. Overall, the atmosphere and the prices make this a do not miss destination.

Visited May 2011

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  • Cuisines: American, Seafood, Steakhouse
  • Neighborhood: Downtown
  • 23 Abercorn Street, Savannah, GA 31401-2713
  • (912) 232-4286
  • Price range: $31-$40
  • Good for: Romance, Doing business, Local cuisine, Special occasions, Entertaining clients
  • Dining options: Breakfast/Brunch, Lunch, Dinner, Reservations, Takeout, Late Night, Dessert
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Chart House

“Never Disappointed”

The Chart House in Savannah GA was the best restaurant on my recent trip. The menu was very broad and the entres were large portions. The wine list was shorter than some but had excellent choices. The view of the river was from the dining area definitely added to the dining experience. The prices were higher that most comparable restaurants in Savannah, but the food did make up in part for the price. If you like yellow fin tuna, the tuna on the menu was a definite 10 (ten). The spinach salad also was an excellent choice.

Visited May 2011

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  • Cuisines: Seafood, American, Steakhouse
  • Neighborhood: Downtown
  • 202 W Bay St, Savannah, GA 31401-1198
  • (912) 234-6686
  • Price range: $31-$40
  • Good for: Romance, Special occasions, Scenic view
  • Dining options: Lunch, Dinner, Reservations, Dessert
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Parker’s Market Urban Gourmet

“Gourmet Carryout and upscale market”

What a pleasant surprise, we were able to stock our condo rental with superior gourmet foods with a single stop. In addition to the gourmet items there was a large selection of snacks, and beverages. If you are staying where you can eat some of your meals in, this is the place to find your food. Most items are a little pricey, but not any more than comparable items from a convenience store.

Visited May 2011

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  • Neighborhood: Downtown
  • 222 Drayton Street, Savannah, GA 31401
  • 912-233-1000
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Savannah – Mellow Mushroom

“Pizza and Subs with Large Beer Selection”

Mellow Mushroom in Savannah GA is a pizza and sub restaurant with a huge beer selection both on draft and bottled. The pizza and subs are generous in size and tasty. Excellent lunch choice, but be prepared to take some home. If you are a beer drinker, you will rate this restaurant much higher than I did.

Visited May 2011

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  • Cuisines: Pizza
  • Neighborhood: Downtown
  • 11 W Liberty St, Savannah, GA 31401
  • (912) 495-0705
  • Good for: Families with children, Large groups, Dining on a budget
  • Dining options: Lunch, Dinner, Late Night
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