If you’ve ever seen David Letterman you know he’s made the Top Ten list famous. The guy’s been doing the same routine for more than 15 years and it’s still the most popular part of his show. These are the most common excuses I hear for NOT planning smart for retirement. Reason #10: “I’m too [...]
Life Insurance 101
May 5, 2010 Leave a Comment
Life insurance is a means for providing financial protection for your family in the event of your death. A life insurance contract is relatively straightforward; you agree to pay a premium at regular intervals, and the insurance company agrees to pay a certain sum of money to your beneficiary upon your death. There are three [...]
Roth 401k or Roth IRA:What’s the Better Retirement Plan Investment?
May 3, 2010 Leave a Comment
Roth 401(k) or a Roth IRA: Which Is Better for Retirement Plan Investing? Most places of employment will offer a variety of retirement plans you can choose to make use of. Two commonly asked questions are whether a Roth 401(k) is the same as a Roth IRA retirement account and is either one better than [...]
Six Life Insurance Questions and Answers
May 3, 2010 Leave a Comment
1. How does a life insurance company decide how much a particular policy costs? The price of a life insurance policy is a life insurance company’s calculation of the amount of cash necessary to gather from each member of the life insurance pool. The price is always dependent on the mortality tables and the calculation [...]
Six Reasons to Buy Whole Life Insurance or Term Life Insurance
May 2, 2010 Leave a Comment
Securing quality term or whole life insurance coverage is important, especially if there are people in your life whose financial stability depends on your income. Many financial experts even consider life insurance to be the foundation of sound financial planning. Find out six reasons why you should purchase whole life or term life insurance to [...]
Comprehensive Financial Planning in a Nutshell
May 2, 2010 Leave a Comment
Comprehensive financial planning implies attention to detail. In this article, we will take you through 8 aspects of finance that you must attend to Savings Plan: Common sense calls for one. Decide what portion of your earnings you would like to save for needs like a college fund for your children, your own house, [...]
General Information About Whole Life Insurance
April 30, 2010 Leave a Comment
Would your death leave your spouse or family with financial problems? You could consider purchasing life insurance coverage that will pay out a certain amount in the event of your death to help cover their needs. Here is some general information about whole life insurance. A Whole Life Insurance Description: This is a life insurance [...]
The Best Whole Life Insurance
April 29, 2010 Leave a Comment
Whole life insurance may be a good choice if you have extended future goals. Whole life generally offers level premiums and the accumulation of cash values. The guaranteed cash values may also provide you with money in the future to help with temporary needs. Do you need life insurance coverage? You may consider purchasing life [...]
Why You Should Roll a 401(k) Over to a Self Directed IRA
April 27, 2010 Leave a Comment
While 401(k) plans have some good points, they also have a down side compared to a self directed IRA. It is suggested that anyone who wants to rollover an old 401(k) change over to a self directed IRA. There are many reasons for this and this article will help explain why it is better [...]
Advantages of Whole and Term Life Insurance
April 27, 2010 Leave a Comment
As is obvious from the name, whole life insurance is a permanent life insurance covering the whole life of the policy holder with timely premium payments, as long as the policy holder is alive. Whole life insurance is apt for those who plan on long term goals. Though term life insurance has gained popularity due [...]