Archive for category Daily Living

Disability Insurance Isn’t Sexy!

    We are constantly bombarded with stats about dwindling Social Security funds; especially as they relate to retirement – but what about disability? Every bit as important, disability funding is more relevant for working people because it is a benefit that may help you now.   According to statistics sited in National Underwriter Magazine, […]

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How to Interview a Planner

  Staying away from illegal interview questions is vital according to a recent CBS News blog. Do not screen people for: race, color, sex, religion, national origin, birthplace, age, marriage and disability status. You can, however, “re-work some legal alternatives”.   If you want to know how old someone is, ask them if they’re “over […]

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Follow Your Money For Answers

    According to the Bureau of Labor Statistics, more than half of the money we spend goes to housing and transportation. Reading about the breakdown of consumer spending, started me wondering…   1)      Why do we naturally bristle at the thought of saving money? 2)      Why does the discipline of wise money management overwhelm […]

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Review, Retool & Renew

  It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of Light, it was the season of Darkness, it was the spring of hope, […]

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Get a Competitve Edge on Auto Insurance

I recently shared an article I read on “12 Tips to Saving Money on Auto Insurance” with my wife; her first response was, “How much can you save if you make these changes?” Half of any insurance equation is always cost; unfortunately, the answer is more convoluted.   Since there are so many factors affecting […]

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Static Planning: The Need for Review

  In a perfect world planning would be easy. You would figure out how much of a resource you would need at a specific time and allocate assets either in a lump sum or systematically over time until this goal was reached. The account would grow steadily over time until the mark was reached – […]

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What if you couldn’t work and pay bills?

    According to statistics provided by the Social Security Administration, 3 in 10 workers entering the workforce today will become disabled before they retire. If that stat isn’t staggering enough, consider the fact that 71% of Americans would find it very difficult or somewhat difficult to meet their current obligations if their paycheck was […]

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