Shinkong and China Life rely much more on first-year premiums than Cathay and, since the first-year premium is such a low-margin business, it means lower profits.

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While the world is full of honorable agents, remember they typically pocket your first year's premium, so the bigger the policy they sell you, the better for them.

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Nine out of 14 residential land transactions in the first quarter of this year sold at an average premium over the sales price of a whopping 30.39%.

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's Fox ranks first among 18- to 49-year-old viewers, a demographic advertisers pay a premium to reach.

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's (nyse: NWS - news - people ) Fox ranks first among 18- to 49-year-old viewers, a demographic advertisers pay a premium to reach.

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In addition to an enhanced line of M-Series Razor LED Smart HDTVs, VIZIO will also be unveiling its first Ultra HDTV offerings this year at CES. With four-times the resolution of Full HD 1080p, the premium XVT-Series Ultra HD Razor LED Smart TVs with Theater 3D offer the ultimate in resolution and picture quality.

ENGADGET: Vizio unveils 2013 HDTV lineup, upcoming XVT Ultra HDTVs promise 4K for the mainstream

But I do fly 250, 000 miles a year, nearly all of it ticketed at a premium price: full-fare coach, business or first class.

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