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Heather Gumina, also known as Heather Waters, has been missing for nearly a month. Her car was found last week.
Police did not say where her car was found but said it was within El Dorado county and that it was processed for forensic evidence. Heather Gumina, who is also known as Heather Waters, was last seen driving this black Infinity coupe with pink bow stickers on it, the El Dorado County Sheriff's Office said. As per the Act, as long as any of the beneficiaries named in the policy are alive, no one else will have any right to the benefits. Thus the MWPA provides a simple method by which a married man can ensure that the benefits of his dependent s named in the policy are protected without formally creating a settlement deed or a trust.
As per the MWPA, a trust is automatically created with the beneficiaries as trustees without the formal procedure of creating a trust. Who can use this method? Any married man residing in India except Jammu and Kashmir can avail benefit under this Act. How to obtain this benefit? This can be obtained easily without much cost. All the buyer needs to do is inform the insurance company at the time of taking the policy that it has to be endorsed under the MWP Act. This benefit can ONLY be obtained while taking the policy.
NO changes are allowed later on. Advantages for the married woman: The advantage is that the final beneficiary is defined and absolutely determined at the time of taking the policy. Further, as mentioned above, under the MWPA only the wife and children can be named as beneficiaries. Consequently, no other family member or any other heir can lay a claim to the policy benefits.
A married woman living in a joint family set up can use this method to ensure that the financial benefits of her husband's insurance policy are secured for her and her children by getting him to buy the policy under the MWPA and name his wife and children as beneficiaries. This is particularly relevant in a joint family as there can be other claimants to the policy proceeds in case of demise of the insured.
It is to be mentioned here that a husband can also name his wife and kids as beneficial nominees in a life insurance policy not taken under MWPA. Sort order. I thought that the premise was very good A husband is threatened by some unknown people kidnapping his wife and demanding two million dollars, that indeed he doesn't have and he hadn't the least clue of how to get it.
The book is divided in three parts, and I think that the first part is the more solid one of the whole book, since you are in the same boat that the main character, the husband, you know only what he knows and that's a brilliant way to manage a thriller. However, just at the end of the first part you started to know events of other places and from other characters so, many of the mystery is getting to lose its strength and with that a pretty good part of the excitement is getting weaker.
However, the story gets more complicated reaching some too far-fetched levels, that in my opinion were totally unnecessary. It saturated a story that it could way simpler. I have to admit that some of the twists in the story have a lot of air of a Hitchcock film, that in my opinion it's a big compliment coming from me.
In a plot that it could be solved a lot quicker and simpler, giving a better overall reading experience to the read, one ends with a book spreading more than necessary. Finally, in the climax part I won't spoil it, don't worry! The story is solved too easy to my taste. But I can't deny that I liked enough the reading of the novel, but definitely it could be quite better. View all 11 comments. I've always thought of Dean Koontz as the master of psychological suspense.
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His novels are aways full of weird and over the top characters that he makes believable and then he puts them in situations which are weird and over the top and makes them believable. This time around Dean changes things up a bit. He takes an average Joe and puts him in a seemingly no win situation. Mitch Rafferty, owner of a two man landscaping business gets the phone call no husband would want.
Someone has his wife. Tha I've always thought of Dean Koontz as the master of psychological suspense. That's the bad news. He doesn't have that kind of money and they know it. Still, they're convinced he'll find away to get the funds. If he loves his wife. He loves her. No question. The kidnappers tighten the screws from that moment on by first killing someone "innocent" so Mitch will know they mean business.
Things go down hill for our hero from there. One of the things I really liked about this story was how Dean shows two people who were raised in the same dysfunctional environment could respond to that upbringing in totally different ways. You'll have to read the book to find out what I mean.
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I try to never include plot spoilers in my reviews. I gave a rating of 5 stars because I loved the story. Koontz in one of my all time favorite novelists. I dream of one day writing my own novels half as well as he does. However, this novel wasn't without its problems for me. One, the scenes with the wife when she's held captive just didn't work for me. When I read the sections with Mitch it was like I was right there with him. Almost like what happened to him happened to me. With those sections devoted to his wife I felt somehow distant from the situation.
I don't know why.
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I don't believe this is the desired affect Dean meant. The second thing I didn't care for was just a pet peeve of mine and it didn't really take away from the story. Most stories have this same element in them. I've just never understood why. Here's what I'm talking about. The novel is 68 chapters.
In chapter one Mitch learns of his wife's kidnapping. From chapter two on Mitch is doing everything he can to get her back. After all that can happen happens, we come to chapter It's 3 years later and everything is normal again. What's the rub for me? Mitch did some pretty terrible and even illegal things in an attempt to get his wife back.
Seemingly, there were no repercussions for his actions. I know one would say he was justified, but I'm just not sure how the law would take this in the real world. Maybe that's the point. It's not real life, it's a novel. And a great thrill ride it is. Pick up a copy and see what you think. I believe you won't be disappointed. View 2 comments.
Jan 01, Rachel rated it really liked it.
I read this book in about a day, and I really enjoyed it. One of the things I love about reading a Dean Koontz book is that I can pretty much tell just by the fact that he wrote it that it will be a good read. This book follows a man who is trying to ransom his kidnapped wife.
It explores the elastic nature of human morality and is full of twists and turns. Mitch the protagonist is a simple gardener who finds his life turned upside down in the blink of an eye. He is forced to alter his entire p I read this book in about a day, and I really enjoyed it.
core1.lga02.nsone.net/el-libro-de-la-selva-1.php He is forced to alter his entire perspective on good and bad, right and wrong in order to save the life of his wife. There are several other authors that I have read over time who have become predictable in their plot devices and story lines, and I am pleased to say that after 20 years of reading Dean Koontz novels, he still surprises me. Also, I love that in the back of his book he gives his address for fans to write to, and if you listen to his podcast you know that he and his wife answer every letter that is sent.
That is one good man. View all 9 comments. This books contains the funniest simile ever: The man character drives his car and is accompanied by The hobgoblins of wind. Okay, so I've read The Husband when it came out and forgot it entirely. Deciding to write a review of it, I grabbed a paperback and began to read. The Husband is one of those airport books that will keep your attention during the flight, but you can leave them on the plane without feeling any guilt.
Character development is practically nonexistant. But it's all about the plot, eh?
The book starts with a bang: A gardener's wife is kidnapped, and the kidnappers want 2 million dollars. Obviously, a gardener doesn't have such money, but the kidnappers are serious - they shoot an innocent passerby just to prove it. It all gets better and better from here. As I was reading I kept saying "hey Dean ,it'sa not bad, not bad at all!