What To Do About Long Term Care?

This has become a hot topic – what shouid I do? Rates are going up; companies are getting out of the business; underwriting is getting tougher! There’s more confusion then ever in this marketplace. So- what should you do?? What you should do is a question I can’t answer in this newsletter – but let’s once again take a look at long term care. First... Read Article

Bank Vault or Desktop?

That’s the question of the day – Where do you keep important papers – locked up in a safety deposit box at your bank or should you keep it at home, In safe place? First off – it’s important that all the important papers you have – marriage (and divorce) documents, birth certificates, adoption papers, real estate deeds, wills, passports, copyrights or patents, insurance policies,... Read Article

It’s Time for Your Year End Review

Wow, the time sure does seem to go by quickly doesn’t it? (And yes, that was a rhetorical question!) It feels like we were just celebrating the Fourth of July and here we are getting ready for the end of year festivities. Well, it’s definitely great to plan for those parties but I’m going to suggest that while you’re setting aside time to party that... Read Article

The Fundamentals of Life Insurance

It’s true that insurance can be complicated and very tricky. Lots of factors to consider, many different options from which to choose and, of course, all of this comes with a certain outlay of money. It’s no wonder that many people can’t decide what to do or how to make the correct decision. And it’s clearly an important decision because the old adage “it’s too... Read Article

Think You Don’t Need Long Term Care Insurance? Think Again.

No one wants to think about growing old but let’s face it, growing old is, indeed, a predictable fact of life. What no one can predict however is HOW you will age and whether or not you will need help taking care of yourself. It would be so much easier if we had a crystal ball but we simply don’t. What we do know is... Read Article