The holiday season brings family and friends together and sparks an anticipated joy for the promise of a new year ahead. Amidst all the joy and the holiday splendor, there is no denying that the hours of daylight are fleeting and that the workday feels longer. While we all strive to do our best in our personal and professional lives during this time, trying to keep a healthy balance during the busiest time of the year can be a challenge.(more…)
Life insurance with “living benefits” can help in tough times.
Ironically, this overview of life insurance benefits designed to improve the quality of your life may take on a slight morbid tone in places. But bear me out.
This is about the ins and outs of living benefits,1 which are features available on many permanent life insurance products that give you access to death benefits or cash value while you’re still alive.(more…)
In October, we passed the 90th anniversary of “Black Tuesday,” the ruinous stock market crash of 1929.
The financial industry has come a long way since then. Human psychology has not. We still worry about market downturns. On the other hand, financial professionals remind us that it should be just as worrisome when our assets earn less than the rate of inflation.
This is how indexed universal life insurance (IUL) is proving its resolve well beyond its primary mission to provide tax-free death benefit protection. It can help protect the assets in the cash value as well.(more…)
The holidays most often make people think of gift-giving and spending time with family and friends, but the end of the year is also a great time to consider buying a car, new or used. In 2018, 40.2 million used vehicles were sold in the US, and I am now officially part of that percentage, having just purchased a 2018 Nissan Rogue SV myself this past Saturday. In 2019, that number is projected to grow to 41 million. ¹(more…)
“Adulting” is a new craze of lifestyle tips and hacks that have been splashed across all of the social media feeds. The term has spawned adulting 101 books, adulting kits and memes. And while the term tends to be mostly used by millennials who find themselves doing adult things for the first time, the term can apply to anyone who is struggling with their grown-up responsibilities.(more…)