You may think of life insurance in very simple terms: you buy a policy so that your loved ones will have some financial assistance when you die. But if you have assets of $1 million or more, you should view life insurance as a tool kind of a Swiss army knife, in fact. Life insurance has many potential uses in estate planning, and a life insurance trust can certainly help a family. What does a life insurance trust do? It enables you and your...more
With many more Americans living past age 80, the need for long term care is rising, and so is the interest in long term care insurance. Yet, a 2006 AARP study noted that most Americans surveyed were underestimating the rising costs of LTC, and presupposing that government programs would provide adequate assistance.The different care options. Most people assume LTC insurance pays only for nursing home care, but that is inaccurate. Insurers and...more
Jewels are for sure a ladys best friends; there is so much a lady can do with the jewelry as there are a number of possibilities. It is essential to take precious pieces of art so that they have a longer life. It is important to care for the jewels so they stay beautiful for a long time.The vintage jewels are such pieces of art that make the wearer look beautiful and well kempt. These ornaments should be cared for. There is a whole process that needs to be followed to care for the ornaments and keep them shining for a longer period of time. The ornaments are very delicate and hence should be handled with a little extra care and caution. They should be handled with soft and easy hands. Besides it is very essential to keep the glow of the ornaments for long. The ornaments should be kept out of reach of water or any sort of moisture. This is something that makes the ornaments dull and makes them lose their shine and luster. To keep vintage jewelry safe and ever glowing one needs to take the best care of them. There are lots of other things one needs to do like keeping the jewels in a zip lock package and in cotton. Wedding rings should be kept away from perfumes and other sprays as...more
Why You Should Consider Purchasing a Life Insurance Policy Whilst we don't want to have to think about our own mortality, life insurance can be essential for anybody who is looking to ensure that their loved ones are provided for once they are gone. Policies today incorporate a number of options and features to provide a level of cover that...more
Moving On in Midlife: The Challenges and Opportunities Midlife can be a time for many individuals to reassess where they may want to live over the next stage of their life. In some instances, if children are grown, a current house may now be too large and require too much work so smaller quarters are sought. For others, there may have...more
Before you buy life insurance, please take some time to learn about it. That way you can make a good choice. You will need to decide how much coverage you want, how long you want it for, and what type of policy to buy! Term insurance is very popular thse days. Consider some advantages and disadvantages of this type of policy.As is suggested by the name, it ends after a set period of time. A term policy is temporary. The length of the policy will be specified in the original paperwork. It could vary from a period of months to a period of decades. But after this term is over, coverage ends.There will not usually be any value left to the policy. Sometimes, you can renew the insurance. However, the renewal rate will probably be higher than the old rate. If you purchased a term policy at age 30, and then wanted to renew 20 years later at age 50, your rates would almost certainly be higher. If you develop a heath condition, you may even be denied coverage. However, term life is very popular today. We do not mean to discount the positives. Because term costs less, people can afford to buy larger policies. When is the best time to consider buying term? The most common reason people buy a...more
This sounds like a peculiar title for an article. What has Wealth Creation got to do with the purpose of life you might ask? Im gonna argue that it has a lot to do with it. Wealth Creation at its core signifies the creation of something of extended...more
A major element of the American dream for anyone is owning a house of their own, and the quest for realizing this goal is an expensive one. Once we have picked our mortgage loan we find that, the monthly obligations end up taking a large slice of our...more
Choosing a Life Insurance Should Be with the Best Interest of Your Family A cheap life insurance is probably one of the most sought alternatives to financial necessities. Because of its cheaper costs, many ordinary earning individuals get hold...more
Weddings are fun, joyous, eventful celebrations. Its a time when family and friends come together to commemorate the union of two individuals. There is laughter, joy, pictures galore, and amazing food. But, weddings are also a time of great stress,...more
If theres one thing that people often overlook, then preparing for long term care tops the list. People normally ignore the harsh reality that they will grow old, ill, and frail. There comes the time when they can no longer care for themselves and...more
I Need Life Insurance, I Use Tobacco But Do Not Smoke, Does It Make a Difference? So you smoke cigars and your next door neighbor told you to get ready for high premiums on your life insurance. So now you are prepared, you call the insurance...more