April 11, 2017

Ever hear of critical illness insurance? This isn’t standard-issue disability insurance, but a cousin of sorts. With people living longer, it is a risk management option entering more people’s lives. The notable wrinkle about this type of insurance is that the insurer issues you a lump sum while you are alive.

February 13, 2017

Homeowner policies routinely provide tornado, windstorm, & hailstorm coverage. If a tornado, windstorm, or hailstorm damages your home or yard, the insurer will commonly pay out in response to your claim, unless your residence has somehow failed to qualify for such coverage.

October 8, 2015

A new survey says yes. Is it telling the whole story?

 

A new study asserts that women feel uncomfortable discussing financial matters. The latest Money FIT Study from Fidelity Investments is generating some conversation within the financial industry. The investment giant commissioned an online poll of 1,542 female participants in its retirement plans, and 80% of the respondents indicated that talking about money matters was “too personal” or “uncomfortable” for them, even if the other party was someone they knew closely.(1,2)

   

If this were 1965, this kind of response might seem reasonable ... but in 2015?

 

Keep in mind that this was an on...

October 1, 2015

Are you underinsured, or not insured at all?

 

When was the last time you looked at your life insurance coverage? Why not do it now? Life insurance can be a remarkable utility as an estate planning and tax-saving tool. Whether you have no life insurance, or you haven’t reviewed your policy in a while, it is always a good idea to be aware of your options and be prepared.

 

About 40% of Americans have no life insurance. LIMRA, an insurance industry group analyzing insurance trends in the U.S., recently found that among men and women, ownership of life insurance policies has hit its lowest level since 2004. LIMRA’s study shows 39% of men without eve...

August 14, 2015

Six signs that you are in good shape. 

 

How well off do you think you are financially? If your career or life takes an unexpected turn, would your finances hold up? What do you think will become of the money you’ve made and saved when you are gone?  

 

These are major questions, and most people can’t answer them as quickly as they would like. It might help to think about six factors in your financial life. Here is a six-point test you can take togauge your financial well-being.  

 

Are you saving about 15% of your salary for retirement? That’s a nice target. If you’re earning good money, that will probably amount to $10-20,000 per year. You ar...

July 13, 2015

Breaking down the basics & what each part covers.

 

Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from.  

 

Parts A & B: Original Medicare. America created a national health insurance program for seniors in 1965 with two components. Part A is hospital insurance. It provides coverage for inpatient stays at medical facilities. It can also help cover the costs of hospice care, home health care and nursing home care – but not for long, and only under certain parameters.(1)

 

Seniors are frequently warned that Medicare will only pay for a maximum of 100 da...

June 16, 2015

 

Who should inherit your IRA or 401(k)? See that they do.

 

Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k), life insurance policy, or savings account? You may be able to answer such a question quickly and easily. Or you may be saying, “You know… I’m not totally sure.” Whatever your answer, it is smart to periodically review your beneficiary designations.

 

Your choices may need to change with the times. When did you open your first IRA? When did you buy your life insurance policy? Was it back in the Eighties? Are you still living in the same home and working at the same job as you did back then? Have...

April 28, 2015

 

A great way to assist your favorite theatre, dance troupe, symphony, museum…

 

The downturn forced many of your favorite theatre companies, opera companies, symphonies and ballets to amend their programming. Fortunately, private money continues to make a big difference. Patrons have come to the rescue of these organizations with life income gifts and gifts of life insurance – financial moves that have perks for donors as well as ensembles.

 

Gift annuities. A life income gift, also known as a gift annuity, offers an arts donor some potentially superb benefits. A gift annuity is a simple agreement with an arts organization, by which you make an i...

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