From my own experience of two years ago, when I received my first such letter, I calculated that from the time in 1991 that I took out my endowment to the time I was sent the my first "shortfall warning" letter my policy had performed far, far better than the letter was suggesting.
Now, you know, when I was a kid, and I got my hand caught in the cookie jar -- (laughter) -- well, my face sort of turned red and I took my hand out of the cookie jar. (Laughter.) Not Governor Romney.
"I was a typical American consumer - I shopped a lot, I ate most of my meals in take-out containers, I took cabs everywhere, " said Michelle, a journalist with a weekly business magazine.
So I locked myself in the bathroom, and I put my music stand in the bathtub, took out the music, and I attempted the Mendelssohn concerto.
"I breastfed both of my kids and it took me a good three weeks before I figured it out, " said Rene Syler, who wrote about the issue on her website Goodenoughmother.com.
As the year comes to a close, I took a look back through my notes, and picked out my five favorite articles, written by journalists for The New Yorker, The New York Times, The Nation, and the Washington Post.
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My Daddy just took me to Sainsburys and told me to leave the people at home but I took them and I lost Jay ZX at the shop as it fell out of my coat.
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From Day 1, I took a genuine interest in them as a person and not merely as robots carrying out my orders.
It took me most of the time to get my heart straightened out, but I had support for once.
"The last week took so much energy out of me that I had absolutely no time to recover, and my body is feeling it, " she told reporters.
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Both my wife and I were quite put out and brought our son in and took him out of the pram to show that he was fine.
My journey took me to BBC Television Centre in west London where I was wheeled out as the latest talking head analysing the impact of Hurricane Sandy as it battered the east coast of the United States.
In fact, I personally took my own advice just the other day on a major decision that was hounding the heck out of me.
They took me to the doctors and found a crack in one of my vertebrae -- I was out of boxing for a year.
In my former capacity at the Journal I took probably a few dozen calls from him to straighten out a point.
Last night my wife and I worked up our courage, loaded up the car, and took the kids out to another restaurant.
In my former capacity at the Journal, I probably took a few dozen calls from him to straighten out some point or another.
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