I often marvel at how fast my kids (ages 13, 12, 10 and 10) are growing up. When I sort though photos of their early years, it sometimes feels like it was just yesterday that they began to crawl or utter their first words. Of course that’s not the case – but what if it was. What if everything we experienced in our lifetime, from our own childhood, to marriage, kids, retirement and even death was condensed from years into only a few short days?
It may be hard to imagine, but such is the life of a fruit fly. They’re known for their famously short lives. The average life span of a fruit fly is a mere 30 days. So why am I educating you about fruit-fly mortality on a blog intended to shed light about issues related to human mortality? Well…
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We all go through this inertia of saving at a salary which barely manages our living expenses. Nowadays, the situation is going through a tough grind for many who have no or marginal salary hikes in the last couple of years. Plus the inflation seems to be in no mood to sober up. Last year, I did not add a single savings or investment product to my portfolio and moreover I discontinued paying premiums for one of my insurance policies. Mounting expenses at the same income levels just leave us with little choices.
So what does one do when the regular monthly salary doesn’t leave any scope for savings? Well see if my approach can be of any use to you. <
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One of the first actions most new business owners would take when setting up their new venture would be to contact their insurance agent in order to discuss and purchase sufficient coverage to insure their building and equipment, as well as ample general liability protection. This standard coverage protects against loss from theft or vandalism and any accidents that happen on the property. However, if the businessperson is a professional, the insurance agent should also strongly recommend Professional Liability Insurance.
Lawyers, doctors, accountants, financial advisors, and brokers usually purchase this type of insurance, because in their daily practice, they give out advice. Full Post…
We travel a lot as a little family of four – a whole lot. We schlep somewhere around the country at least once a month, mini carry-ons and comfort blankets for the kids in tow. At least once a year we make a major pilgrimage to someplace really outside our comfort zone, like this past summer when we traveled by train across Eastern Europe for a month. It took us a handful of years to really get the process of packing the kids just right, and its only now that theyre both a tiny bit older I dont have to remember to pack seven kinds of snacks for an airplane ride. B
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Riders are a great way to customize your insurance policy and protect yourself against specific risks. One such optional benefit offered by most insurance companies, is the Waiver of Premium rider. As the very name suggests this rider, waives payment of future premiums for a specific term, subject to certain conditions. Here is a quick guide to help you understand what this rider actually entitles you to and when you should opt for one.
Waiver of Premium – The Basics
Accidents and unforeseen events may cause injuries or disablements, which could hamper your work and regular stream of income.
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During open enrollment at work, we’re faced with the often confusing task of evaluating the benefits options our employers offer. Often, these benefits can change from year-to-year, complicating things even more. While you may be tempted to just let your previous benefits selections “roll over,” it’s critical to take time to review and understand what’s being offered and make any necessary updates to your insurance and other plan selections to meet the changes you have—or will have—in your life.
According to a recent survey conducted by LIFE and LIMRA, among the top financial concerns of Americans today are
- having enough money for a comfortable retirement
- paying for medical expenses
- being able to support themselves if they become disabled and unable to work
Open enrollment gives you the perfect opportunity to review your financial and insurance plans to make sure you have a foundation in place to help prepare for these types of potential expenses. These eight t
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November 17th, 2011
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When going for a cheap car cover, one of the factors that you should look out for is the availability of discounts. A very good example of this is: in the case where a person owns more than one car and is looking for cheap insurance. In this case you find that some insurance companies offer discounts for people who insure more than one item with them, so instead of separately insuring your vehicles with two different companies, it is advisable to do so with one, so as to take advantage of their discount offers. Full Post…
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