Ecoer Logo
VOTING POWER100.00%
DOWNVOTE POWER100.00%
RESOURCE CREDITS100.00%
REPUTATION PROGRESS0.00%
Net Worth
0.043USD
STEEM
0.001STEEM
SBD
0.013SBD
Effective Power
5.007SP
├── Own SP
0.631SP
└── Incoming Deleg
+4.376SP

Detailed Balance

STEEM
balance
0.001STEEM
market_balance
0.000STEEM
savings_balance
0.000STEEM
reward_steem_balance
0.000STEEM
STEEM POWER
Own SP
0.631SP
Delegated Out
0.000SP
Delegation In
4.376SP
Effective Power
5.007SP
Reward SP (pending)
0.013SP
SBD
sbd_balance
0.000SBD
sbd_conversions
0.000SBD
sbd_market_balance
0.000SBD
savings_sbd_balance
0.000SBD
reward_sbd_balance
0.013SBD
{
  "balance": "0.001 STEEM",
  "savings_balance": "0.000 STEEM",
  "reward_steem_balance": "0.000 STEEM",
  "vesting_shares": "1026.823019 VESTS",
  "delegated_vesting_shares": "0.000000 VESTS",
  "received_vesting_shares": "7116.836787 VESTS",
  "sbd_balance": "0.000 SBD",
  "savings_sbd_balance": "0.000 SBD",
  "reward_sbd_balance": "0.013 SBD",
  "conversions": []
}

Account Info

nameshourovkhan
id454264
rank1,295,131
reputation374963457
created2017-11-18T19:03:57
recovery_accountsteem
proxyNone
post_count4
comment_count0
lifetime_vote_count0
witnesses_voted_for0
last_post2017-11-22T17:44:27
last_root_post2017-11-22T17:44:27
last_vote_time2017-11-22T18:10:12
proxied_vsf_votes0, 0, 0, 0
can_vote1
voting_power0
delayed_votes0
balance0.001 STEEM
savings_balance0.000 STEEM
sbd_balance0.000 SBD
savings_sbd_balance0.000 SBD
vesting_shares1026.823019 VESTS
delegated_vesting_shares0.000000 VESTS
received_vesting_shares7116.836787 VESTS
reward_vesting_balance26.682587 VESTS
vesting_balance0.000 STEEM
vesting_withdraw_rate0.000000 VESTS
next_vesting_withdrawal1969-12-31T23:59:59
withdrawn0
to_withdraw0
withdraw_routes0
savings_withdraw_requests0
last_account_recovery1970-01-01T00:00:00
reset_accountnull
last_owner_update1970-01-01T00:00:00
last_account_update2017-11-18T19:29:24
minedNo
sbd_seconds0
sbd_last_interest_payment1970-01-01T00:00:00
savings_sbd_last_interest_payment1970-01-01T00:00:00
{
  "id": 454264,
  "name": "shourovkhan",
  "owner": {
    "weight_threshold": 1,
    "account_auths": [],
    "key_auths": [
      [
        "STM6heK12sYt2sRRGLmtizGNoatV5C5CF2CGKzfVTUodQVg2hdtBv",
        1
      ]
    ]
  },
  "active": {
    "weight_threshold": 1,
    "account_auths": [],
    "key_auths": [
      [
        "STM5QgpWLTN9ytHCwJ3pi59BS4VGwVkmB2oHthfMPuPQq89Kgd5Cx",
        1
      ]
    ]
  },
  "posting": {
    "weight_threshold": 1,
    "account_auths": [],
    "key_auths": [
      [
        "STM7S2XkiXWZ3WumgLgd6bAc9wMFGtig1tcjNQ1Zc4jzVHA6FqQ4o",
        1
      ]
    ]
  },
  "memo_key": "STM72NDUhFTrEhPztmmMmc1bdewoVmGorBxhMnsq6ryKxrJQn2QyR",
  "json_metadata": "{\"profile\":{\"profile_image\":\"http://i67.tinypic.com/302phcy.jpg\",\"cover_image\":\"http://i65.tinypic.com/16kvzwl.jpg\",\"name\":\"Mehedi Hasan\",\"location\":\"Bangladesh\"}}",
  "posting_json_metadata": "{\"profile\":{\"profile_image\":\"http://i67.tinypic.com/302phcy.jpg\",\"cover_image\":\"http://i65.tinypic.com/16kvzwl.jpg\",\"name\":\"Mehedi Hasan\",\"location\":\"Bangladesh\"}}",
  "proxy": "",
  "last_owner_update": "1970-01-01T00:00:00",
  "last_account_update": "2017-11-18T19:29:24",
  "created": "2017-11-18T19:03:57",
  "mined": false,
  "recovery_account": "steem",
  "last_account_recovery": "1970-01-01T00:00:00",
  "reset_account": "null",
  "comment_count": 0,
  "lifetime_vote_count": 0,
  "post_count": 4,
  "can_vote": true,
  "voting_manabar": {
    "current_mana": "8143659806",
    "last_update_time": 1779085746
  },
  "downvote_manabar": {
    "current_mana": 2035914951,
    "last_update_time": 1779085746
  },
  "voting_power": 0,
  "balance": "0.001 STEEM",
  "savings_balance": "0.000 STEEM",
  "sbd_balance": "0.000 SBD",
  "sbd_seconds": "0",
  "sbd_seconds_last_update": "1970-01-01T00:00:00",
  "sbd_last_interest_payment": "1970-01-01T00:00:00",
  "savings_sbd_balance": "0.000 SBD",
  "savings_sbd_seconds": "0",
  "savings_sbd_seconds_last_update": "1970-01-01T00:00:00",
  "savings_sbd_last_interest_payment": "1970-01-01T00:00:00",
  "savings_withdraw_requests": 0,
  "reward_sbd_balance": "0.013 SBD",
  "reward_steem_balance": "0.000 STEEM",
  "reward_vesting_balance": "26.682587 VESTS",
  "reward_vesting_steem": "0.013 STEEM",
  "vesting_shares": "1026.823019 VESTS",
  "delegated_vesting_shares": "0.000000 VESTS",
  "received_vesting_shares": "7116.836787 VESTS",
  "vesting_withdraw_rate": "0.000000 VESTS",
  "next_vesting_withdrawal": "1969-12-31T23:59:59",
  "withdrawn": 0,
  "to_withdraw": 0,
  "withdraw_routes": 0,
  "curation_rewards": 1,
  "posting_rewards": 24,
  "proxied_vsf_votes": [
    0,
    0,
    0,
    0
  ],
  "witnesses_voted_for": 0,
  "last_post": "2017-11-22T17:44:27",
  "last_root_post": "2017-11-22T17:44:27",
  "last_vote_time": "2017-11-22T18:10:12",
  "post_bandwidth": 0,
  "pending_claimed_accounts": 0,
  "vesting_balance": "0.000 STEEM",
  "reputation": 374963457,
  "transfer_history": [],
  "market_history": [],
  "post_history": [],
  "vote_history": [],
  "other_history": [],
  "witness_votes": [],
  "tags_usage": [],
  "guest_bloggers": [],
  "rank": 1295131
}

Withdraw Routes

IncomingOutgoing
Empty
Empty
{
  "incoming": [],
  "outgoing": []
}
From Date
To Date
steemdelegated 4.376 SP to @shourovkhan
2026/05/18 06:29:06
delegatorsteem
delegateeshourovkhan
vesting shares7116.836787 VESTS
Transaction InfoBlock #106150893/Trx 4f5e70b4d521f12597a004e44aa2c67de92fc6dd
View Raw JSON Data
{
  "trx_id": "4f5e70b4d521f12597a004e44aa2c67de92fc6dd",
  "block": 106150893,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2026-05-18T06:29:06",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "7116.836787 VESTS"
    }
  ]
}
steemdelegated 2.708 SP to @shourovkhan
2026/05/13 05:12:21
delegatorsteem
delegateeshourovkhan
vesting shares4404.626382 VESTS
Transaction InfoBlock #106006078/Trx b3b26873fda43eca929e4966be3c50f3e2e55f4e
View Raw JSON Data
{
  "trx_id": "b3b26873fda43eca929e4966be3c50f3e2e55f4e",
  "block": 106006078,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2026-05-13T05:12:21",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "4404.626382 VESTS"
    }
  ]
}
steemdelegated 4.383 SP to @shourovkhan
2026/04/26 05:40:33
delegatorsteem
delegateeshourovkhan
vesting shares7129.352543 VESTS
Transaction InfoBlock #105518372/Trx 25abcee8efcb4854f3f808039dee0ae5616771db
View Raw JSON Data
{
  "trx_id": "25abcee8efcb4854f3f808039dee0ae5616771db",
  "block": 105518372,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2026-04-26T05:40:33",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "7129.352543 VESTS"
    }
  ]
}
steemdelegated 2.734 SP to @shourovkhan
2026/01/24 00:35:57
delegatorsteem
delegateeshourovkhan
vesting shares4446.173201 VESTS
Transaction InfoBlock #102871931/Trx 4273ec6596ad5079585bda18bd0d87d7b8394e3c
View Raw JSON Data
{
  "trx_id": "4273ec6596ad5079585bda18bd0d87d7b8394e3c",
  "block": 102871931,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2026-01-24T00:35:57",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "4446.173201 VESTS"
    }
  ]
}
steemdelegated 2.835 SP to @shourovkhan
2024/12/17 19:45:54
delegatorsteem
delegateeshourovkhan
vesting shares4610.392398 VESTS
Transaction InfoBlock #91318145/Trx e76c96b5f5648b44ef2dade344cfcef0e16f5a28
View Raw JSON Data
{
  "trx_id": "e76c96b5f5648b44ef2dade344cfcef0e16f5a28",
  "block": 91318145,
  "trx_in_block": 3,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2024-12-17T19:45:54",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "4610.392398 VESTS"
    }
  ]
}
steemdelegated 2.939 SP to @shourovkhan
2023/11/14 11:26:57
delegatorsteem
delegateeshourovkhan
vesting shares4779.525930 VESTS
Transaction InfoBlock #79872290/Trx 58dda10dcf019740b001f18bd58bc931192067c3
View Raw JSON Data
{
  "trx_id": "58dda10dcf019740b001f18bd58bc931192067c3",
  "block": 79872290,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2023-11-14T11:26:57",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "4779.525930 VESTS"
    }
  ]
}
steemdelegated 4.744 SP to @shourovkhan
2023/09/22 10:38:27
delegatorsteem
delegateeshourovkhan
vesting shares7716.434716 VESTS
Transaction InfoBlock #78363164/Trx 722d0b1adcfbe43b4b607cd931981e28c5ed29f0
View Raw JSON Data
{
  "trx_id": "722d0b1adcfbe43b4b607cd931981e28c5ed29f0",
  "block": 78363164,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2023-09-22T10:38:27",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "7716.434716 VESTS"
    }
  ]
}
steemdelegated 4.881 SP to @shourovkhan
2022/11/03 18:03:42
delegatorsteem
delegateeshourovkhan
vesting shares7938.486154 VESTS
Transaction InfoBlock #69120855/Trx 4f6fbcac09d9f6167abe7a7bd86043efdeff5781
View Raw JSON Data
{
  "trx_id": "4f6fbcac09d9f6167abe7a7bd86043efdeff5781",
  "block": 69120855,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2022-11-03T18:03:42",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "7938.486154 VESTS"
    }
  ]
}
steemdelegated 5.016 SP to @shourovkhan
2022/01/17 23:14:24
delegatorsteem
delegateeshourovkhan
vesting shares8158.593755 VESTS
Transaction InfoBlock #60824081/Trx 51873f982738ed9660af8b2fa5e54467c33be6c9
View Raw JSON Data
{
  "trx_id": "51873f982738ed9660af8b2fa5e54467c33be6c9",
  "block": 60824081,
  "trx_in_block": 25,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2022-01-17T23:14:24",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "8158.593755 VESTS"
    }
  ]
}
steemdelegated 5.129 SP to @shourovkhan
2021/06/14 06:24:39
delegatorsteem
delegateeshourovkhan
vesting shares8342.788043 VESTS
Transaction InfoBlock #54614391/Trx 52bc029b500fab473a9507dbd233bf9ef8689f2b
View Raw JSON Data
{
  "trx_id": "52bc029b500fab473a9507dbd233bf9ef8689f2b",
  "block": 54614391,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2021-06-14T06:24:39",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "8342.788043 VESTS"
    }
  ]
}
steemdelegated 5.245 SP to @shourovkhan
2020/12/11 16:36:33
delegatorsteem
delegateeshourovkhan
vesting shares8530.210017 VESTS
Transaction InfoBlock #49361645/Trx 68028b9c7e7bedf9c827086e49d7cc29d40d1e62
View Raw JSON Data
{
  "trx_id": "68028b9c7e7bedf9c827086e49d7cc29d40d1e62",
  "block": 49361645,
  "trx_in_block": 5,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2020-12-11T16:36:33",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "8530.210017 VESTS"
    }
  ]
}
steemdelegated 1.176 SP to @shourovkhan
2020/12/06 10:12:12
delegatorsteem
delegateeshourovkhan
vesting shares1912.543513 VESTS
Transaction InfoBlock #49213164/Trx 28d2b277a37c50f64b0c5801a28fa4b801a89322
View Raw JSON Data
{
  "trx_id": "28d2b277a37c50f64b0c5801a28fa4b801a89322",
  "block": 49213164,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2020-12-06T10:12:12",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "1912.543513 VESTS"
    }
  ]
}
steemdelegated 5.248 SP to @shourovkhan
2020/12/05 20:14:27
delegatorsteem
delegateeshourovkhan
vesting shares8536.417871 VESTS
Transaction InfoBlock #49196731/Trx 9b1a0be519f07075c2564d3b275750dfe4620a5d
View Raw JSON Data
{
  "trx_id": "9b1a0be519f07075c2564d3b275750dfe4620a5d",
  "block": 49196731,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2020-12-05T20:14:27",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "8536.417871 VESTS"
    }
  ]
}
steemdelegated 1.180 SP to @shourovkhan
2020/11/03 02:59:15
delegatorsteem
delegateeshourovkhan
vesting shares1920.017158 VESTS
Transaction InfoBlock #48271163/Trx 66d844874cd8cb07f4921db8508f2223881e647d
View Raw JSON Data
{
  "trx_id": "66d844874cd8cb07f4921db8508f2223881e647d",
  "block": 48271163,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2020-11-03T02:59:15",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "1920.017158 VESTS"
    }
  ]
}
steemdelegated 5.373 SP to @shourovkhan
2020/05/09 11:15:30
delegatorsteem
delegateeshourovkhan
vesting shares8739.223230 VESTS
Transaction InfoBlock #43223498/Trx ebc0fc3fd999b3ea3f127609e0e27ae63cdcca99
View Raw JSON Data
{
  "trx_id": "ebc0fc3fd999b3ea3f127609e0e27ae63cdcca99",
  "block": 43223498,
  "trx_in_block": 11,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2020-05-09T11:15:30",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "8739.223230 VESTS"
    }
  ]
}
steemdelegated 1.201 SP to @shourovkhan
2020/05/08 15:41:12
delegatorsteem
delegateeshourovkhan
vesting shares1953.311140 VESTS
Transaction InfoBlock #43200568/Trx d135c7994c134b5d5eebf132c45d89736997015c
View Raw JSON Data
{
  "trx_id": "d135c7994c134b5d5eebf132c45d89736997015c",
  "block": 43200568,
  "trx_in_block": 6,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2020-05-08T15:41:12",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "1953.311140 VESTS"
    }
  ]
}
steemdelegated 5.381 SP to @shourovkhan
2020/04/16 03:23:00
delegatorsteem
delegateeshourovkhan
vesting shares8752.110678 VESTS
Transaction InfoBlock #42569257/Trx 4d3529810078466a124501281e663092bf9c4a77
View Raw JSON Data
{
  "trx_id": "4d3529810078466a124501281e663092bf9c4a77",
  "block": 42569257,
  "trx_in_block": 3,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2020-04-16T03:23:00",
  "op": [
    "delegate_vesting_shares",
    {
      "delegator": "steem",
      "delegatee": "shourovkhan",
      "vesting_shares": "8752.110678 VESTS"
    }
  ]
}
2019/11/18 20:19:30
parent authorshourovkhan
parent permlinkthe-meaning-of-life
authorsteemitboard
permlinksteemitboard-notify-shourovkhan-20191118t201929000z
title
bodyCongratulations @shourovkhan! You received a personal award! <table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@shourovkhan/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table> <sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@shourovkhan) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=shourovkhan)_</sub> ###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!
json metadata{"image":["https://steemitboard.com/img/notify.png"]}
Transaction InfoBlock #38291778/Trx 434da29143a6b4b981033579470584cfeeaf3f23
View Raw JSON Data
{
  "trx_id": "434da29143a6b4b981033579470584cfeeaf3f23",
  "block": 38291778,
  "trx_in_block": 13,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2019-11-18T20:19:30",
  "op": [
    "comment",
    {
      "parent_author": "shourovkhan",
      "parent_permlink": "the-meaning-of-life",
      "author": "steemitboard",
      "permlink": "steemitboard-notify-shourovkhan-20191118t201929000z",
      "title": "",
      "body": "Congratulations @shourovkhan! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@shourovkhan/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@shourovkhan) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=shourovkhan)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
      "json_metadata": "{\"image\":[\"https://steemitboard.com/img/notify.png\"]}"
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}
steemdelegated 5.501 SP to @shourovkhan
2019/05/12 20:30:00
delegatorsteem
delegateeshourovkhan
vesting shares8947.727491 VESTS
Transaction InfoBlock #32852201/Trx c6eb00d6043b7cca6c36cf85d099a28900ca3eb0
View Raw JSON Data
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  "op": [
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      "delegatee": "shourovkhan",
      "vesting_shares": "8947.727491 VESTS"
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}
2018/11/18 20:30:39
parent authorshourovkhan
parent permlinkthe-meaning-of-life
authorsteemitboard
permlinksteemitboard-notify-shourovkhan-20181118t203038000z
title
bodyCongratulations @shourovkhan! You have received a personal award! [![](https://steemitimages.com/70x70/http://steemitboard.com/@shourovkhan/birthday1.png)](http://steemitboard.com/@shourovkhan) 1 Year on Steemit <sub>_Click on the badge to view your Board of Honor._</sub> **Do not miss the last post from @steemitboard:** <table><tr><td><a href="https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-special-attendees-revealed"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png"></a></td><td><a href="https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-special-attendees-revealed">Meet the Steemians Contest - Special attendees revealed</a></td></tr><tr><td><a href="https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-intermediate-results"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmeLukvNFRsa7RURqsFpiLGEZZD49MiU52JtWmjS5S2wtW/image.png"></a></td><td><a href="https://steemit.com/steemfest/@steemitboard/meet-the-steemians-contest-intermediate-results">Meet the Steemians Contest - Intermediate results</a></td></tr></table> > Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!
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Transaction InfoBlock #27817262/Trx 06683ab24de5d79b692f170fb4e2e4f0bd1fc8d4
View Raw JSON Data
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steemdelegated 5.624 SP to @shourovkhan
2018/05/17 02:48:15
delegatorsteem
delegateeshourovkhan
vesting shares9147.242583 VESTS
Transaction InfoBlock #22497665/Trx 27b84ae689d022413f9af5d4ceea8fb90862b34e
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steemdelegated 18.159 SP to @shourovkhan
2018/04/21 20:52:36
delegatorsteem
delegateeshourovkhan
vesting shares29535.344929 VESTS
Transaction InfoBlock #21771340/Trx 1ed8fef4628c9bf26888b9807636d991d069cc4b
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money-dreamersent 0.001 STEEM to @shourovkhan- "Gift!"
2018/01/25 07:16:54
frommoney-dreamer
toshourovkhan
amount0.001 STEEM
memoGift!
Transaction InfoBlock #19280859/Trx 6e5efe755d41f8a5ef1d52e53c5a4f11af853996
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}
steemdelegated 18.284 SP to @shourovkhan
2017/12/12 22:20:51
delegatorsteem
delegateeshourovkhan
vesting shares29739.176981 VESTS
Transaction InfoBlock #18032600/Trx 1c9951ba88d6e07e209a7acd4c93549ccb7bfff2
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shourovkhanreceived 0.013 SBD, 0.015 SP author reward for @shourovkhan / the-meaning-of-life
2017/11/29 17:44:27
authorshourovkhan
permlinkthe-meaning-of-life
sbd payout0.013 SBD
steem payout0.000 STEEM
vesting payout24.630081 VESTS
Transaction InfoBlock #17652853/Virtual Operation #9
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shourovkhanreceived 0.001 SP curation reward for @jonbee / photography-flowers-26
2017/11/29 17:43:48
curatorshourovkhan
reward2.052506 VESTS
comment authorjonbee
comment permlinkphotography-flowers-26
Transaction InfoBlock #17652840/Virtual Operation #7
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2017/11/22 20:31:33
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authorshourovkhan
permlinkthe-meaning-of-life
weight10000 (100.00%)
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2017/11/22 20:31:33
voterresenkov
authorshourovkhan
permlinkthe-meaning-of-life
weight10000 (100.00%)
Transaction InfoBlock #17454675/Trx 37db1c0e53a807f71585478cbf9280ec3303bb69
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2017/11/22 20:31:33
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authorshourovkhan
permlinkthe-meaning-of-life
weight10000 (100.00%)
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2017/11/22 18:11:42
voterskenan
authorshourovkhan
permlinkthe-meaning-of-life
weight2000 (20.00%)
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2017/11/22 18:10:12
votershourovkhan
authorhardfork-series
permlinkhardfork-can-you-see-the-future
weight10000 (100.00%)
Transaction InfoBlock #17451850/Trx 7e4d107e0ed5ed77f3fbff0673aa80e958602a95
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2017/11/22 18:09:57
votershourovkhan
authoradsactly
permlinkthe-bitter-road-from-her-kwauye
weight10000 (100.00%)
Transaction InfoBlock #17451845/Trx c5ce08c522bd305362b3c5aed624e4b89182a2c4
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2017/11/22 17:45:27
votershourovkhan
authorshourovkhan
permlinkthe-meaning-of-life
weight10000 (100.00%)
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2017/11/22 17:45:21
votershourovkhan
authorjonbee
permlinkphotography-flowers-26
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2017/11/22 17:45:15
votershourovkhan
authorzkalemiss
permlinka-rainy-morning-in-athens--2017-11-22-17-44-03
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2017/11/22 17:45:12
votershourovkhan
authorwandahamidah
permlinkbeautiful-sunset-20171123t04358414z
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2017/11/22 17:45:03
votershourovkhan
authorzlatan
permlinkpsg-vs-celtic-neymar-is-ready-for-another-ucl-magic
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2017/11/22 17:45:00
votershourovkhan
authorjimbojones
permlinkget-2-free-neoconnect-coins-here
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Transaction InfoBlock #17451346/Trx 6ec1eef7e59a83bff78b9b71053254d70c813ac1
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2017/11/22 17:44:57
votershourovkhan
authoranis365
permlinkfreedom-of-speech-vs-team-building-once-the-american-british-and-bengali-police-are-arguing-who-is-the-most-effective
weight10000 (100.00%)
Transaction InfoBlock #17451345/Trx e98bc0371a336de9fb71c4711bd1937b58773885
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2017/11/22 17:44:54
votershourovkhan
authordaza1994
permlinksteem-dollars-se-dispara
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Transaction InfoBlock #17451344/Trx 9d1a52c96dd43a33f6b194a1e5469d6902a6e1ec
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2017/11/22 17:44:51
votershourovkhan
authorcheapestwhale
permlinkvagitarian
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Transaction InfoBlock #17451343/Trx 6a87fbceef303351f4a1b617661c48c4ae6e7923
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2017/11/22 17:44:48
votershourovkhan
authormonitorcap
permlinkhealth-monitorcap-report-health-category-sorted-by-payouts-11-22-2017-2017-11-22-17-44-12
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Transaction InfoBlock #17451342/Trx 49a755fff768b736d7803d4a54ee6aa84f55c34c
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shourovkhanpublished a new post: the-meaning-of-life
2017/11/22 17:44:27
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titleThe Meaning of Life
bodyhttp://i66.tinypic.com/k00nr5.jpg I was exactly 10 years recent after I started thoughtful regarding the which means of life. The terribly thought of it, created Pine Tree State marvel what on earth we have a tendency tore we all doing here? What smart resides anyway, if sometime you'd eventually die? Why resides thus synonymous with dying? however do you reconcile this contradiction in terms of life? I mean, however am i able to presumably very live a life that i will be able to eventually ought to provide up-lose? To Pine Tree State, the total plan of life was simply too complicated for anyone to essentially perceive. It appeared like one huge internet within which all folks AR unfreeze and AR endlessly troubled to induce out from. The painful half is that generally we have a tendency to find yourself being inhibited by the terribly internet that has been holding USA down. Life appeared like associate endless journey too wide for anyone to hide among the assigned time. It appears within the finish, that we have a tendency to perpetually run out of your time. Since there's most to be done, we have a tendency to ar wedged within the struggle of life; systematically making an attempt to try and do all that we will among the given house of your time. Then what's the thrill of being here, if we have a tendency to don't seem to be allowed enough time to try and do all that we have a tendency to want? In my very own opinion, I may see a starting associated an end; the time of our birth; after we were born and therefore the time of our death; after we die. What I did not quite perceive were the moments in between; the moments between our birth and our death-the moments of life. thus I created a commitment of understanding the important which means of life my period goal. at heart among Pine Tree State, I knew there was one thing deeper. There had to be some clarification, a reason for life; one apart from simply living and dying-a reason apart from mere existence. The challenge was this; what a lot of is there to life apart from simply living and dying-existence? As I grew, I discovered I wasn't the sole one with this challenge. several others like Pine Tree State were equally battling with this contradiction in terms of life-existence; simply living and dying. it had been currently evident, life actually is complicated. it's complicated within the sense that it needs lots of things from USA. Once you've got life, sooner or later you may discover the painful truth regarding life. that is; that having life means that existence-being alive and to be alive needs survival-staying alive. This would like for survival has been genetically encoded into our terribly being. it is a natural inclination to require to survive-stay alive. And staying alive (survival), as we've return to grasp is difficult work! the matter as I discovered with several over the years whereas learning and thoughtful over this subject, isn't whether or not they need to survive, but rather, whether or not they want a lot of from life than mere survival.
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      "body": "http://i66.tinypic.com/k00nr5.jpg\n\nI was exactly 10 years recent after I started thoughtful regarding the which means of life. The terribly thought of it, created Pine Tree State marvel what on earth we have a tendency tore we all doing here? What smart resides anyway, if sometime you'd eventually die? Why resides thus synonymous with dying? however do you reconcile this contradiction in terms of life? I mean, however am i able to presumably very live a life that i will be able to eventually ought to provide up-lose? To Pine Tree State, the total plan of life was simply too complicated for anyone to essentially perceive. It appeared like one huge internet within which all folks AR unfreeze and AR endlessly troubled to induce out from. The painful half is that generally we have a tendency to find yourself being inhibited by the terribly internet that has been holding USA down. Life appeared like associate endless journey too wide for anyone to hide among the assigned time. It appears within the finish, that we have a tendency to perpetually run out of your time. Since there's most to be done, we have a tendency to ar wedged within the struggle of life; systematically making an attempt to try and do all that we will among the given house of your time.\n\nThen what's the thrill of being here, if we have a tendency to don't seem to be allowed enough time to try and do all that we have a tendency to want? In my very own opinion, I may see a starting associated an end; the time of our birth; after we were born and therefore the time of our death; after we die. What I did not quite perceive were the moments in between; the moments between our birth and our death-the moments of life. thus I created a commitment of understanding the important which means of life my period goal. at heart among Pine Tree State, I knew there was one thing deeper. There had to be some clarification, a reason for life; one apart from simply living and dying-a reason apart from mere existence.\n\nThe challenge was this; what a lot of is there to life apart from simply living and dying-existence? As I grew, I discovered I wasn't the sole one with this challenge. several others like Pine Tree State were equally battling with this contradiction in terms of life-existence; simply living and dying. it had been currently evident, life actually is complicated. it's complicated within the sense that it needs lots of things from USA. Once you've got life, sooner or later you may discover the painful truth regarding life. that is; that having life means that existence-being alive and to be alive needs survival-staying alive. This would like for survival has been genetically encoded into our terribly being. it is a natural inclination to require to survive-stay alive. And staying alive (survival), as we've return to grasp is difficult work! the matter as I discovered with several over the years whereas learning and thoughtful over this subject, isn't whether or not they need to survive, but rather, whether or not they want a lot of from life than mere survival.",
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2017/11/20 09:47:18
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2017/11/20 09:47:18
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2017/11/20 07:18:36
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2017/11/20 06:56:12
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2017/11/20 06:54:36
parent author
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permlinkmake-peace-with-the-life-you-did-not-get
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bodyhttp://i67.tinypic.com/2e3wlq8.jpg Make peace with the life you probably did not get in order that you'll be able to move for the life that may be yours to search out its thanks to you. Recently, i used to be observation "Devious Maids", one among guilty pleasures on life TV. one among the characters, Zola, may be a maid and he or she feels that every one she will be able to be may be a maid as a result of she was unable to just accept a scholarship and attend school. She doesn't need her girl to be a maid and justified therefore. However, the girl desires to pay her own thanks to school instead of rely on her mother and father. Her mother, Zola, is adamant and will everything create|to form|to create} certain her girl does not make an equivalent mistake she did, even making an attempt to urge her pink-slipped from her maid job. Now, the ethical here isn't that Zola needed higher for her girl. it's the very fact that Zola ne'er got over not having the ability to travel to varsity and pursue her dreams, therefore she accepted a lifetime of "demeaning servitude" as a result of she thought that was all she was smart for. How many people area unit still upset a couple of life we tend to didn't get? i will be able to be the primary one to boost my hand. I ne'er have to be compelled to attend a prestigious University. to the present day, I still regret not being accepted to Ford ham University, that was my initial alternative school. There area unit days after I marvel what my life would are like if I had gone to Ford ham University. I do apprehend for a proven fact that my life would have positively been totally different. I had pet everything regarding Ford ham U. Its status, it's alumni program, their special programs for top college students, programs that I took half in. I even won Associate in Nursing office of the Year Award. I had interned at a number of the simplest firms. My life was on the proper path. i used to be not accepted for reasons that were out of my management, though I had the grades. Instead, i used to be accepted to a different University and whereas that was a non-public University, it absolutely was still not Ford ham. My arrange was to pay 2 years at that University, reclaim grades so transfer to Ford ham University. Yes, i used to be that obsessed on attending Ford ham University. However, life didn't estimate that approach. I created do with the University i used to be accepted to. It was not till i used to be observation that episode of Devious Maid that it hit American state. I ne'er created peace with not having the ability to attend Ford ham University or maybe Ford ham Law. Recent circumstances created American state understand what proportion enmity I had for not having the ability to attend a prestigious University. college and education were my identity. Since I ne'er have to be compelled to attend Ford ham U. for my degree, i made a decision that i'd apply to Ford ham Law and mix the status of turning into a professional person with the status of attending Ford ham Law, a Tier one school of law. I had to urge my J.D then my LL.M (Masters of Law) and them my LL.D (Doctorate of Law). however that didn't happen. Well, that half was on American state. I realized that I didn't need to travel to school of law. OH the horror of horrors. My family was shocked. They thought I had no direction and that i was wasting my life. I still have Associate in Nursing kinswoman, WHO to the present day still asks if i will be able to rethink my call to not attend school of law. I had to revive my family's honor and do one thing prestigious with my life. it might facilitate if I visited Oxford or Cambridge. I actually have even found myself encouraging my kinsman to use his grades to use to Oxford or Cambridge. i would like him to form one thing of his life and find the opportunities I ne'er got. I hope he forgives American state for swing that on him. Even though the choice to not attend school of law was mine, I still spent consecutive 10 years of my life resenting my life. I simply apprehend that if I gotten bound opportunities, i'd have had a stronger life. affirmative that was however deeply obsessed and meshed my identity was with the "right schools", the "meeting the proper people", marrying "up" and living the "right affluent lifestyle". to feature fuel to the hearth, I sacrificed my life for "family" which didn't prove well. It really blew up in my face. a lot of pain and enmity. I have spent a few years resenting my life and wherever it's complete up. As a result, things came into my life to assist American state feel worse that life. Yes, I actually have done several things that brought American state happiness, however that was short on behalf of me. Throughout all that, I learned one thing important. despite what proportion we tend to might love our surface life, it'll be short if below all that we tend to area unit full of enmity for the life we tend to felt we tend to had disregarded on. One of the items that I actually have learned regarding the life that we tend to live is that if we tend to don't seem to be okay with wherever our life is it's simple for others to form United States feel dangerous regarding our station in life. However, if we tend to area unit okay with WHO we tend to and wherever we tend to area unit then nobody will cause you to feel shamed, guilty for what you probably did not accomplish, by their standards. that's why we want to own our own standards for our life and reconcile with WHO, what and wherever we tend to area unit in life. If we tend to don't like wherever we tend to area unit then we will take steps to vary course. we tend to don't would like approval from anyone outside people to try and do things otherwise for our lives. If you were to noticeably take a glance at WHO you're currently so recall at the life you thought you disregarded on, raise yourself, {are|AR|area unit|square American restaurateur} those things necessary to me today? Do i actually need that life? Do I still suppose like that 22 yr old? likelihood is that life is not any longer necessary to you. there's much more to life than having the proper contacts, the proper network and therefore the right life. Those things were not necessary to American state, however I ne'er created peace with all that. I simply went regarding life unceasingly hiding my hopes and dreams and finding different things to form American state happy. Deep down i used to be not happy in any respect. I felt that I had no ambition as a result of I don't need to pursue Law or the other higher degree. However, that was simply the criticisms of others that was crawl into my ears and damaging my brain. I started criticizing and swing myself down within the same manner. I felt as if I didn't prove into something smart. i started to believe the criticisms that I had no direction albeit the previous direction towards school of law, Masters, and academic degree wasn't creating American state happy. There is much more to life. Our individual happiness is way a lot of necessary than moving into the proper faculties and creating the proper connections.
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I had to revive my family's honor and do one thing prestigious with my life. it might facilitate if I visited Oxford or Cambridge. I actually have even found myself encouraging my kinsman to use his grades to use to Oxford or Cambridge. i would like him to form one thing of his life and find the opportunities I ne'er got. I hope he forgives American state for swing that on him.\n\n\n\n\nEven though the choice to not attend school of law was mine, I still spent consecutive 10 years of my life resenting my life. I simply apprehend that if I gotten bound opportunities, i'd have had a stronger life. affirmative that was however deeply obsessed and meshed my identity was with the \"right schools\", the \"meeting the proper people\", marrying \"up\" and living the \"right affluent lifestyle\". to feature fuel to the hearth, I sacrificed my life for \"family\" which didn't prove well. It really blew up in my face. a lot of pain and enmity.\n\n\n\n\nI have spent a few years resenting my life and wherever it's complete up. As a result, things came into my life to assist American state feel worse that life. Yes, I actually have done several things that brought American state happiness, however that was short on behalf of me. Throughout all that, I learned one thing important. despite what proportion we tend to might love our surface life, it'll be short if below all that we tend to area unit full of enmity for the life we tend to felt we tend to had disregarded on.\n\n\n\n\nOne of the items that I actually have learned regarding the life that we tend to live is that if we tend to don't seem to be okay with wherever our life is it's simple for others to form United States feel dangerous regarding our station in life. However, if we tend to area unit okay with WHO we tend to and wherever we tend to area unit then nobody will cause you to feel shamed, guilty for what you probably did not accomplish, by their standards. that's why we want to own our own standards for our life and reconcile with WHO, what and wherever we tend to area unit in life. If we tend to don't like wherever we tend to area unit then we will take steps to vary course. we tend to don't would like approval from anyone outside people to try and do things otherwise for our lives.\n\n\n\n\nIf you were to noticeably take a glance at WHO you're currently so recall at the life you thought you disregarded on, raise yourself, {are|AR|area unit|square American restaurateur} those things necessary to me today? Do i actually need that life? 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2017/11/20 06:19:27
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2017/11/19 08:58:27
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2017/11/19 08:58:24
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2017/11/19 08:58:24
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2017/11/19 06:20:33
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2017/11/19 06:11:30
parent author
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titleLife Settlement Underwriting , The Flip Side of the Coin.
bodyhttp://i68.tinypic.com/2dlvvd0.jpg Life settlements square measure quick growing into a staple of the insurance and monetary designing world. Most monetary professionals have detected of life settlements, that is that the sale of a life assurance policy of a senior (age sixty five and over) for a payment that is bigger than the policy's money surrender price however but its benefit. Policies that square measure viable for a life settlement square measure typically those on the far side the contest ability amount whereby the insured includes a anticipation of between a pair of and fifteen years. these days life settlements square measure dominated by institutional finders and pension funds. Despite the continuing growth within the life settlements market, the quantity of insurance or monetary professionals that have really completed a life settlement is amazingly low. this will be attributed principally to a scarcity of in-depth data of life settlements on the a part of these professionals. Considering that life settlements square measure a comparatively new possibility for policy house owners, several monetary professionals, though having detected of life settlements, have still not had the chance to remove into the topic on a deeper level. Many policy holders return to a juncture whereby they still pay life assurance premiums on AN unwanted policy in hopes of a gain at maturation, or to recoup a number of the investment by commerce the policy for its money surrender price. company policyholders typically face extra dilemmas once managing outward executives with key-man or split-dollar policies, or insurance purchased as a part of a buy-sell agreement. http://i64.tinypic.com/4s1mjp.jpg With a life settlement, the customer realizes AN quantity abundant larger than the money surrender price in exchange for the policy's possession. Term life assurance policies are applicable once reborn into permanent insurance. Life settlement transactions involving key-man or buy-sell policies will give businesses with accrued income to unravel immediate monetary issues, whereas transactions regarding split-dollar policies usually involve retirement designing and charitable giving problems. In short, life settlements supply policyholders of all types AN array of choices antecedent unpronounceable to them. In a recent authority survey, nearly 1/2 the respondents had purchasers UN agency had given a life assurance policy, several of whom may need qualified for a life settlement dealing and consequent payment money payment. In this article i'll discuss exhaustive the underwriting method associated with life settlements, that is of predominant importance within the method, even as it's in life assurance itself, though there's a good deal of distinction within the method for every severally. Settlement amounts square measure determined by a large number of things that attain a web gift price, that is that the gift price of future edges from the benefit minus this price of future payments related to sustaining the policy till maturation. These expenses embrace premium payments, value of capital and body prices. This calculation permits the buyer to think about the specified exploit the investment and propose a proposal to the vendor of the policy. as a result of the actual fact that the capitalist are going to be sustaining the policy premiums till maturation, the anticipation of the insured becomes essential in assessing the worth or sale value of the policy. If the assessment of AN insured's anticipation is just too short, the buyer can have paid an excessive amount of and risks a loss. in contrast, ought to the assessment of AN insured's anticipation be longer than his or her actual generation, the supply to the vendor would are but it might are, therefore leading to AN undervalued sale for the policy owner. Institutional investors in life settlements typically acquire anticipation reports from 2 or additional freelance LE (life expectancy) suppliers. several of the larger establishments finance in life settlements have proprietary underwriting personnel on employees. LE reports will vary considerably supported interpretations, medical information on the insured, and/or the reckoned tables used. http://i64.tinypic.com/fbzwo1.jpg DIFFERENCES IN UNDERWRITING METHODOLOGY - corporations which offer LE reports use reckoned and medical examiners UN agency apply applied math, reckoned methodology And medical analysis in hard the probable mortality of an insured. several LE suppliers use the services of full-fledged life assurance underwriters UN agency add bike with the reckoned and medical examiners. There square measure variety of corporations which offer LE reports. Among those most typically accepted by institutional investors are: AVS, Fasano, twenty first Services, ISC Services and EMSI. These corporations concentrate on underwriting the senior phase (insureds higher than the age of 65) and have developed mere strategies, underwriting manuals, and mortality tables. The insurance trade usually employs insurance underwriting manuals because the basis of its ratings for eligibility. However, insurance manuals square measure gauged primarily for insurance candidates up to the age of sixty five with insured impairments up to five hundredth. These standards replicate the normal demographic for all times insurance. Conversely, life settlement underwriting is intermediate toward those higher than the age of sixty five and might have impairment ratings abundant beyond five hundredth. In order to cater to the current market phase, diversification were created to those underwriting manuals supported in depth analysis of current senior mortality information and scrutinized against recent medical advances and also the treatment of diseases or disorders typically related to the older. additionally to the current, corporations that give LE reports additionally draw from, and think about, proprietary information accumulated from previous assessments. Generally, a standard debit And credit methodology is employed by the underwriter in determination the general rating of an insured, leading to either normal or substandard. Of course, this is often AN approximation as a result of the actual fact that few impairments cause an identical proportion increase in mortality. Results victimization the quality debit and credit technique turn out affordable and quantitative results; but, for conditions like several varieties of cancer, the debit and credit methodology doesn't generate reliable results. this is often principally as a result of the actual fact that the impaired mortality curve is considerably totally different than the quality curve utilized in the absence of those impairments. corporations that give LE reports use totally different approaches so as to calculate these impairments. Some utilize the debit and credit approach, others apply additional deaths for a restricted time span, and still others can use a mixture of the 2 and apply them to the reckoned calculations. For a policy with a high impairment and a brief anticipation, clinical judgment might follow the reckoned calculation. anticipation calculations utilize the underwriting assessment in bike with the suitable mortality table; but every anticipation supplier uses its own proprietary mortality tables supported sex, smoker or non-smoker standing, impairment and most well-liked category. the overall understanding is that almost all anticipation suppliers use the 2001 VBT (Valuation Basic Table), however it appears that almost all use a heavily changed version of the 2001 VBT or their own table altogether. Individuals with medical conditions like prehensile dementia, symptom heart disease and alternative serious ailments would presumably be declined for a life assurance policy. However, for the needs of a life settlement, it's potential to estimate the anticipation of AN insured with these medical ailments. For insureds with serious medical conditions, anticipation assessments typically take under consideration factors that contribute to healthy aging, like regular work up, social activities, the cognition of the insured, and his or her commitment to living a healthy mode. Access to worry givers and a support network, {are also|also square measure|are} variables that are taken into thought. All of those factors will typically add level of completeness to the underwriting method which will have an effect on the ultimate mortality calculation.
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      "title": "Life Settlement Underwriting , The Flip Side of the Coin.",
      "body": "http://i68.tinypic.com/2dlvvd0.jpg\n\nLife settlements square measure quick growing into a staple of the insurance and monetary designing world. Most monetary professionals have detected of life settlements, that is that the sale of a life assurance policy of a senior (age sixty five and over) for a payment that is bigger than the policy's money surrender price however but its benefit. Policies that square measure viable for a life settlement square measure typically those on the far side the contest ability amount whereby the insured includes a anticipation of between a pair of and fifteen years. these days life settlements square measure dominated by institutional finders and pension funds.\n\nDespite the continuing growth within the life settlements market, the quantity of insurance or monetary professionals that have really completed a life settlement is amazingly low. this will be attributed principally to a scarcity of in-depth data of life settlements on the a part of these professionals. Considering that life settlements square measure a comparatively new possibility for policy house owners, several monetary professionals, though having detected of life settlements, have still not had the chance to remove into the topic on a deeper level.\n\nMany policy holders return to a juncture whereby they still pay life assurance premiums on AN unwanted policy in hopes of a gain at maturation, or to recoup a number of the investment by commerce the policy for its money surrender price. company policyholders typically face extra dilemmas once managing outward executives with key-man or split-dollar policies, or insurance purchased as a part of a buy-sell agreement.\nhttp://i64.tinypic.com/4s1mjp.jpg\n\nWith a life settlement, the customer realizes AN quantity abundant larger than the money surrender price in exchange for the policy's possession. Term life assurance policies are applicable once reborn into permanent insurance. Life settlement transactions involving key-man or buy-sell policies will give businesses with accrued income to unravel immediate monetary issues, whereas transactions regarding split-dollar policies usually involve retirement designing and charitable giving problems.\n\nIn short, life settlements supply policyholders of all types AN array of choices antecedent unpronounceable to them.\n\nIn a recent authority survey, nearly 1/2 the respondents had purchasers UN agency had given a life assurance policy, several of whom may need qualified for a life settlement dealing and consequent payment money payment.\n\nIn this article i'll discuss exhaustive the underwriting method associated with life settlements, that is of predominant importance within the method, even as it's in life assurance itself, though there's a good deal of distinction within the method for every severally.\n\nSettlement amounts square measure determined by a large number of things that attain a web gift price, that is that the gift price of future edges from the benefit minus this price of future payments related to sustaining the policy till maturation. These expenses embrace premium payments, value of capital and body prices. This calculation permits the buyer to think about the specified exploit the investment and propose a proposal to the vendor of the policy. as a result of the actual fact that the capitalist are going to be sustaining the policy premiums till maturation, the anticipation of the insured becomes essential in assessing the worth or sale value of the policy. If the assessment of AN insured's anticipation is just too short, the buyer can have paid an excessive amount of and risks a loss. in contrast, ought to the assessment of AN insured's anticipation be longer than his or her actual generation, the supply to the vendor would are but it might are, therefore leading to AN undervalued sale for the policy owner. Institutional investors in life settlements typically acquire anticipation reports from 2 or additional freelance LE (life expectancy) suppliers. several of the larger establishments finance in life settlements have proprietary underwriting personnel on employees. LE reports will vary considerably supported interpretations, medical information on the insured, and/or the reckoned tables used.\nhttp://i64.tinypic.com/fbzwo1.jpg\n\nDIFFERENCES IN UNDERWRITING METHODOLOGY - corporations which offer LE reports use reckoned and medical examiners UN agency apply applied math, reckoned methodology And medical analysis in hard the probable mortality of an insured. several LE suppliers use the services of full-fledged life assurance underwriters UN agency add bike with the reckoned and medical examiners. There square measure variety of corporations which offer LE reports. Among those most typically accepted by institutional investors are: AVS, Fasano, twenty first Services, ISC Services and EMSI. These corporations concentrate on underwriting the senior phase (insureds higher than the age of 65) and have developed mere strategies, underwriting manuals, and mortality tables. The insurance trade usually employs insurance underwriting manuals because the basis of its ratings for eligibility. However, insurance manuals square measure gauged primarily for insurance candidates up to the age of sixty five with insured impairments up to five hundredth. These standards replicate the normal demographic for all times insurance. Conversely, life settlement underwriting is intermediate toward those higher than the age of sixty five and might have impairment ratings abundant beyond five hundredth.\nIn order to cater to the current market phase, diversification were created to those underwriting manuals supported in depth analysis of current senior mortality information and scrutinized against recent medical advances and also the treatment of diseases or disorders typically related to the older. additionally to the current, corporations that give LE reports additionally draw from, and think about, proprietary information accumulated from previous assessments. Generally, a standard debit And credit methodology is employed by the underwriter in determination the general rating of an insured, leading to either normal or substandard. Of course, this is often AN approximation as a result of the actual fact that few impairments cause an identical proportion increase in mortality. Results victimization the quality debit and credit technique turn out affordable and quantitative results; but, for conditions like several varieties of cancer, the debit and credit methodology doesn't generate reliable results. this is often principally as a result of the actual fact that the impaired mortality curve is considerably totally different than the quality curve utilized in the absence of those impairments. corporations that give LE reports use totally different approaches so as to calculate these impairments. Some utilize the debit and credit approach, others apply additional deaths for a restricted time span, and still others can use a mixture of the 2 and apply them to the reckoned calculations. For a policy with a high impairment and a brief anticipation, clinical judgment might follow the reckoned calculation. anticipation calculations utilize the underwriting assessment in bike with the suitable mortality table; but every anticipation supplier uses its own proprietary mortality tables supported sex, smoker or non-smoker standing, impairment and most well-liked category. the overall understanding is that almost all anticipation suppliers use the 2001 VBT (Valuation Basic Table), however it appears that almost all use a heavily changed version of the 2001 VBT or their own table altogether.\n\nIndividuals with medical conditions like prehensile dementia, symptom heart disease and alternative serious ailments would presumably be declined for a life assurance policy. However, for the needs of a life settlement, it's potential to estimate the anticipation of AN insured with these medical ailments. For insureds with serious medical conditions, anticipation assessments typically take under consideration factors that contribute to healthy aging, like regular work up, social activities, the cognition of the insured, and his or her commitment to living a healthy mode. Access to worry givers and a support network, {are also|also square measure|are} variables that are taken into thought. All of those factors will typically add level of completeness to the underwriting method which will have an effect on the ultimate mortality calculation.",
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2017/11/18 22:22:33
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2017/11/18 19:41:09
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2017/11/18 19:39:21
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2017/11/18 19:37:48
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authorshourovkhan
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2017/11/18 19:35:33
parent author
parent permlinklife
authorshourovkhan
permlinkeach-and-each-one-in-every-of-north-american-nation-is-accountable-for-our-own-lives
titleEach and each one in every of North American nation is accountable for our own lives
bodyEach and each one in every of North American nation is accountable for our own lives. which means we have a tendency to square measure accountable for our own growth and development. Adults don't seem to be kids, therefore we want to convey them the area to grow themselves and to develop themselves in person. we will supply suggestions, we will offer a listening ear and a large hug once they want it, however within the end, that person has the ultimate say on their life and wherever it's going. we want to respect adults for the mature, capable adults they're imagined to be and not micro-manage their life. That doesn't wreak a decent boss, nor will it wreak a healthy relationship with others. Instead of attempting to manage others or maybe attempting to manage ourselves, we want to manage our individual lives. which means you ought to not hindrance your individual growth and progress by waiting on others to form a choice which will or might not have an effect on your life. you will be waiting on others need|to require|to need} a far better life for themselves and since you're growing and moving forward you are doing not want to go away them behind. However, if somebody does not need one thing for themselves there's no means you'll be able to force them to need it. I will even go as way on say that what you will need for somebody might not be what they require for themselves or they're not prepared til now to form changes in and for his or her life. whereas it's commendable to need a lot of for others, you can not keep your life stuck looking ahead to others. it's necessary that you simply don't stop your growth for anyone, therefore, it's imperative that you simply keep your life moving forward whereas that specialize in your growth. Another purpose to require heed of is that individuals will and can string you on for as long as they'll before you even understand what's happening. can|they're going to|they'll} provide you with a tragic story to draw you in or they're going to say the correct words that they grasp will pick at your heart strings and you discover yourself understanding them and waiting on them. you're currently at their mercy. they'll pull you and twist you up in any means until Sunday. don't blame yourself once you understand or become alert to what's happening. Forgive yourself for obtaining trapped within the madness and currently begin to require steps to induce your life going once more ideally while not those people. Once you become alert to what's occurring, you may not permit your life to stay stuck. individuals will create guarantees all they require, however, it's within the doing that you simply ought to place religion in, particularly once it involves your personal life. don't tolerate nor permit anyone to run amuck in your personal life and leave it in disarray. If you discover that your personal life is in disarray as a results of WHO and what was in it, then it is time to try and do some internal house-cleaning. It is currently time to require back your life, take back management over the ship of your life, begin taking part in your life full out and begin living the life that's best for you. don't create the error of stopping your life as a result of you are feeling that you simply ought to attend others. No, keep moving your life forward and if others need to be an area of your life then they're going to catch a ride on your ship. If they are doing not need to be an area of your life, then still keep your life moving. You have the ability to prevent your life-ship if you therefore want, however, don't permit others to slow you down. it's one factor to prevent or pause voluntarily, it's another factor once you unknowingly permit criticisms and alternative negative behaviour to feed into your mind and cause you to prevent your own progress. you're currently therefore crushed down that you simply barely have the strength to induce up within the mornings. ENOUGH! Your life isn't meant to be mediocre neither is it meant to be wasted being stuck within the same existence with no modification. No, you're meant to measure a rare life. therefore do not be afraid that by you moving forward you're going away individuals behind. If they're for you they're going to be right beside you as you progress forward. If they're not for you, then you may meet people as you progress your life forward. In order to be able to move your life forward, that specialize in nutritious simply your heart and soul isn't enough. Your mind has to be designed up so as to become rock-solid. Having a weakened or a vulnerable mind can leave you hospitable external influences. it's then that the negative and harsh criticisms of others are going to be able to permeate your mind and twist you up from the within out. that's what's referred to as psychological abuse. Once somebody has management over your mind, you not own your life. they'll twist you up in any means and in any direction that mirrors their state of mind. that's why we want to create up our mind in order that nothing negative and mind-twisting will penetrate. Own your own mind, have mastery over your own mind and you may be able to direct and lead your life towards your dreams, passions and goals. Having a weakened mind doesn't suggest you're stupid or mentally unbalanced. faraway from it. huge pain will weaken your psychological state.
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      "permlink": "each-and-each-one-in-every-of-north-american-nation-is-accountable-for-our-own-lives",
      "title": "Each and each one in every of North American nation is accountable for our own lives",
      "body": "Each and each one in every of North American nation is accountable for our own lives. which means we have a tendency to square measure accountable for our own growth and development. Adults don't seem to be kids, therefore we want to convey them the area to grow themselves and to develop themselves in person. we will supply suggestions, we will offer a listening ear and a large hug once they want it, however within the end, that person has the ultimate say on their life and wherever it's going. we want to respect adults for the mature, capable adults they're imagined to be and not micro-manage their life. 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However, if somebody does not need one thing for themselves there's no means you'll be able to force them to need it.\n\nI will even go as way on say that what you will need for somebody might not be what they require for themselves or they're not prepared til now to form changes in and for his or her life. whereas it's commendable to need a lot of for others, you can not keep your life stuck looking ahead to others. it's necessary that you simply don't stop your growth for anyone, therefore, it's imperative that you simply keep your life moving forward whereas that specialize in your growth.\n\nAnother purpose to require heed of is that individuals will and can string you on for as long as they'll before you even understand what's happening. can|they're going to|they'll} provide you with a tragic story to draw you in or they're going to say the correct words that they grasp will pick at your heart strings and you discover yourself understanding them and waiting on them. you're currently at their mercy. they'll pull you and twist you up in any means until Sunday. don't blame yourself once you understand or become alert to what's happening. Forgive yourself for obtaining trapped within the madness and currently begin to require steps to induce your life going once more ideally while not those people.\n\nOnce you become alert to what's occurring, you may not permit your life to stay stuck. individuals will create guarantees all they require, however, it's within the doing that you simply ought to place religion in, particularly once it involves your personal life. don't tolerate nor permit anyone to run amuck in your personal life and leave it in disarray. If you discover that your personal life is in disarray as a results of WHO and what was in it, then it is time to try and do some internal house-cleaning.\n\nIt is currently time to require back your life, take back management over the ship of your life, begin taking part in your life full out and begin living the life that's best for you. don't create the error of stopping your life as a result of you are feeling that you simply ought to attend others. No, keep moving your life forward and if others need to be an area of your life then they're going to catch a ride on your ship. If they are doing not need to be an area of your life, then still keep your life moving.\n\nYou have the ability to prevent your life-ship if you therefore want, however, don't permit others to slow you down. it's one factor to prevent or pause voluntarily, it's another factor once you unknowingly permit criticisms and alternative negative behaviour to feed into your mind and cause you to prevent your own progress. you're currently therefore crushed down that you simply barely have the strength to induce up within the mornings.\n\nENOUGH! Your life isn't meant to be mediocre neither is it meant to be wasted being stuck within the same existence with no modification. No, you're meant to measure a rare life. therefore do not be afraid that by you moving forward you're going away individuals behind. If they're for you they're going to be right beside you as you progress forward. If they're not for you, then you may meet people as you progress your life forward.\n\nIn order to be able to move your life forward, that specialize in nutritious simply your heart and soul isn't enough. Your mind has to be designed up so as to become rock-solid. Having a weakened or a vulnerable mind can leave you hospitable external influences. it's then that the negative and harsh criticisms of others are going to be able to permeate your mind and twist you up from the within out. that's what's referred to as psychological abuse.\n\nOnce somebody has management over your mind, you not own your life. they'll twist you up in any means and in any direction that mirrors their state of mind. that's why we want to create up our mind in order that nothing negative and mind-twisting will penetrate. Own your own mind, have mastery over your own mind and you may be able to direct and lead your life towards your dreams, passions and goals. Having a weakened mind doesn't suggest you're stupid or mentally unbalanced. faraway from it. huge pain will weaken your psychological state.",
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shourovkhanupdated their account properties
2017/11/18 19:29:24
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steemcreated a new account: @shourovkhan
2017/11/18 19:03:57
fee0.500 STEEM
delegation57000.000000 VESTS
creatorsteem
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Account Metadata

POSTING JSON METADATA
profile{"profile_image":"http://i67.tinypic.com/302phcy.jpg","cover_image":"http://i65.tinypic.com/16kvzwl.jpg","name":"Mehedi Hasan","location":"Bangladesh"}
JSON METADATA
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Public Keys
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Posting
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Public Keys
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Memo
STM72NDUhFTrEhPztmmMmc1bdewoVmGorBxhMnsq6ryKxrJQn2QyR
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Witness Votes

0 / 30
No active witness votes.
[]