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10 Steps to Review Your Life Insurance Coverage

If you have been worrying about your life insurance coverage in light of the COVID-19 pandemic, now is the time to review your coverage. The most important thing to remember when it comes to life insurance coverage, a claim will be paid even if the cause of death is a pandemic such as COVID-19.   Ten […]

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8 Great Lessons I Learned From My Father

Financial Lessons Every Child Should be Taught As many states have extended student’s distance learning schedule I wanted to share excellent advice from an article written by Marguerita Cheng on the importance of a financial education.  Cheng’s advice from her father a Taiwanese immigrant who came to America in the 1960’s with $17 to his name […]

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Characteristics of a Great Portfolio

In These Unusual Times Let’s Examine –    What is an Investment Portfolio? Simply, put it is all the assets we own, not just our 401(k), Mutual Funds, Stocks/Bonds and ETF’s. The correct term is “Asset Base” because it’s assets (not debt) that give us long term financial independence. A “Great Asset Base” grows nicely […]

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10 Commandments of Getting Along With People

Next week all of us will be gathering with family and friends to enjoy Thanksgiving dinner.  Some gatherings will be large, some small, some with family/friends we enjoy and others that we don’t or are just not fun people to be around. I think we all agree that Thanksgiving is a time to remember all […]

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Time to Review Your Estate Plan

What is an Estate Plan?  It states who gets your assets at your death.  Your Wills, Durable Power of Attorney and Health Care Directive comprise your Estate Plan.   There are 2 types: 1) The Default- Created by the state in which you live.  You may not like it’s terms.   2) The one you make and […]

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Which Pocket is Your Money In?

Where should we put our money? When we are on vacation, we tend to take higher amounts of cash with us. But to minimize the risk of losing it, we keep some in our wallet, maybe in our spouse’s and even some may be hidden in pockets of the suitcase. We diversify our vacation money. […]

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Make Time for Life Insurance

Has your life insurance been in force for some time?           Here are 5 simple things to consider: 1. Make sure you are comfortable with the face amount of your policies. Inflation erodes the face amount so adjustments may be required. 2.Health conditions are a moving target. You will want to purchase additional coverage while you […]

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Why Whole Life Insurance Stinks!

There are 5 reasons why no one should ever, ever THINK of buying whole life RIGHT? Commissions: Life insurance salespeople typically make a base commission of 55% of your first-year premium, 7% yrs 2-5 and 2% every year thereafter to provide annual reviews and service to their clients. Financial entertainers say buy term and invest the difference […]

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Staying on Track

We all work hard to build and protect our financial future.  No matter what stage of life we’re in, nearly every plan starts with the same thing: INCOME.  But what happens when it disappears?  How long could you support yourself (pay your bills) without your paycheck? Hmmm?   That’s a scary question.                                                                                                                                                              Where will your […]

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Paychecks and Playchecks

Would you agree that both Paychecks and Playchecks are really important to your lifestyle?   If yes, chances are you are someone who pays bills and likes to have fun. You pay your mortgage, cell phone, car, go on vacation and more. You also most likely own insurance on your home, car, etc.  to protect […]

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