[ Insurance ] Open Question : If parents take out whole life insurance on their kids, then die first, shouldn’t someone get some cash back for the years of payments made?

The cover page says each child was insured for $ 5K, ‘whole life paid up at age 65’ with number of years payable at 54 (for the child that was 11 when the policy started) with annual premiums of $ 53.30. Isn’t the purpose of ‘whole life’ policies that it’s like an investment? Parents are most likely to die first, so of course their payments would stop before the kids ever reach 65. Is the policy worthless when payments stop? This seems like a bad, ill-advised deal if no one gets money back.   It doesn’t make sense to me that any LONG TERM policy should cancel just because a person was unable to make payments for a temporary period of time, like after getting laid off from work, disabled, death of a spouse, etc. It would be no wonder insurance companies make so much money if they get to keep all the money they taken in for many years from people who will never file a claim before they stop making payments for whatever reason.  

How well will the max transformation rounds in Keepassx deter an attacker for the next twenty years?

Keepassx lets you decide how many transformations rounds need to be run in order to unlock your Keepass database. In my version of Keepassx (2.0.3) the max value seems to be 999,999,999. With that setting it takes my laptop about 22 seconds to unlock the database. I imagine that a beefy workstation would take less time than that. With that in mind, how well can this setting deter someone else from accessing your database, assuming that they managed to get access to it? Let’s just say an individual (not an organization) with a computer made to do this kind of work. How much work can you assume that they will have to do per try with the kind of computation power that they will have access to in twenty years?

8 Years Old Blogger/WordPress Template Gallery Website

Why are you selling this site?
no time o update with my office work. This is 8 Years hard work result,

Previous Theme Sponsorship sold thread here

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8 Years Old Blogger/WordPress Template Gallery Website

Well established Templates Directory Website, 10 Years Old

I am here to sell my business that fed me for about 3 years. I am into a new business by Dec 2012 and I need to sell this website for the investment for my new business. I have not ever thought of selling this website as I trusted a person to finance my new business and at last moment he failed. I have no way, other than selling this site. I need to sell this site as soon as possible (I need money before dec 10th).

Currently, This site earns from affiliate programs. I have never used any…

Well established Templates Directory Website, 10 Years Old

Frontend / Backend Development, Bug Fixes – 11 Years on DP!

Well Known Freelance Developer here back to offer all services to DP Forums, I have been a member of DP and offering my Services in good standing for 11+ years.

I am a Frontend/Backend Developer and have worked on and completed many projects including Crypto-Related. There are no limits to my skills; if it can be made I can make it.

The main programming languages I work with are PHP & Mysql, HTML, CSS, Javascript, JQuery, Ajax.

If there is something that you are looking to have…​

Frontend / Backend Development, Bug Fixes – 11 Years on DP!

[ Personal Finance ] Open Question : My wife is pregnant and my insurance is crap, 4k deductible. I got a 100k mortgage 3 years ago so not much equity built up.?

I neeed 3 or 4k to pay for medical bills and apparently i dont qualify for medicaid. Any advice on how i could come up with the money. Any kind of home equity loan or HELOC. Any help is appreciated!