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Archive for the ‘Insurance’ Category

Insurance – What is the Right Amount?

Posted in Insurance, tagged , , , , , , , , , on July 22, 2011 | 2 Comments »

One of the things about insurance is that, in general, no one likes paying the premiums on their insurance policies when they are not in need of using the policy benefits. But when they do need to rely on the insurance policy ‘benefits’ because of some insured event occurring, people generally like having as much policy [...]

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Check Your Umbrella for April Showers

Posted in Insurance, tagged , , on April 11, 2011 | Leave a Comment »

It’s the time of year we need to make sure we’re covered for unexpected rainfall before we head outdoors. That means packing an umbrella in the trunk in case the clear and sunny skies turn dark and dreary without notice. It is also a good time with the market rebound since 2009 to see if [...]

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Trying to Make Sense of the Long-term Care Insurance Market

Posted in Insurance, tagged , , , , , , , , , , , , on March 28, 2011 | Leave a Comment »

What’s happening in the long-term care (LTC) insurance market? Another carrier, Berkshire, a Guardian Life subsidiary, has decided to stop selling LTC insurance. While Berkshire is a small player in the market, MetLife and Allianz also stopped new sales in the past year and both of these carriers had sizable market share in the LTC [...]

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But What if I Don’t Ever Need Long Term Care Insurance?

Posted in Insurance, Medical & Health Issues, tagged , , , , on October 21, 2010 | 24 Comments »

Once upon a time a caring daughter/CFP® tried to persuade her mother to buy long term care insurance. Her daughter, let’s call her G, believed that her mother needed this product for many reasons- to ensure choice of care and to protect her mother’s assets (and perhaps some selfish motives to ensure she didn’t have [...]

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Building Your Financial Foundation: Watch Out for Money Complacency

Posted in Credit/Debt, Financial Planning, Insurance, Savings, Spending, tagged , , , , , on July 27, 2010 | 1 Comment »

This is the second of a three part blog on the early stages of the Financial Life Cycle. In my last blog post, I introduced the concept of the Financial Life Cycle. This week’s blog is all about the strategies and pitfalls in the first adult stage, and next week I will look at strategies [...]

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Getting Old(er)

Posted in Estate Planning, Financial Planning, Insurance, Retirement, Values, tagged , , , , , , on June 30, 2010 | 3 Comments »

This year I celebrated my 60th birthday (not looking for any good wishes just stating a fact), and like many of us who maintain lifelong friendships, so did many of my friends, some of whom celebrated birthdates in numbers larger than my ‘six-o’. As we exchanged, and continue to exchange, well wishes this year we [...]

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It’s Hard to Be Me

Posted in Credit/Debt, Employment, Insurance, Investments, Savings, Taxes, tagged , , , , , , on May 5, 2010 | 1 Comment »

I meet new people almost every day. It happens for multiple reasons, not the least of which is because I engage people in conversations wherever I go.  I do this because I’m interested in the people and their challenges and because it feels like time well spent. While I enjoy hearing their stories, they usually [...]

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Things You Learn at an Elementary School Science Olympiad

Posted in Education, Insurance, Investments, Savings, tagged , , , , , , , , on May 3, 2010 | 2 Comments »

Okay, so my nine year old daughter Janae is competing in her first Science Olympiad. Teams from all across Dekalb County, Georgia, come together to compete in events like Picture This, Pastamobile, Circuit Wizardry and the like. After Janae went into her second competition, Animal, Vegetable or Mineral, the proctor closed the door and my [...]

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Use Life Insurance to Replace a Lifetime of Income

Posted in Insurance, tagged , , , , on March 2, 2010 | 3 Comments »

One of the major functions of life insurance might be more accurately described as “income insurance.” It provides funds that replace the earning power of the deceased. Parents with young children and not lot of financial resources probably have the greatest need for life insurance. Insurance is just as important for a stay-at-home parent as [...]

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Love is in the Air – Planning Past the Wedding

Posted in Banking, Credit/Debt, Divorce, Education, Home Ownership, Insurance, Investments, Retirement, Savings, tagged , , , , , , , , , , , on February 17, 2010 | Leave a Comment »

Have you noticed the magazine covers this month? Not that one — Sports Illustrated notwithstanding, you are probably looking at several wedding covers on the magazines in your grocery checkout line. If you have young adults in your family, chances are you’ve experienced the wedding vortex on some level or may soon. If you are a [...]

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