“I thought I just had a little infection and wasn’t worried about it. My wife made me go to the emergency room when my temperature got to 104, and the next thing I knew I woke up in an ambulance…” That simple infection resulted in doctors diagnosing an acquaintance with diabetes, but the diagnosis came…
A Return of premium policy rider on a term life insurance policy allows for part or all of the premiums paid to be refunded at the end of the term of the policy. If you’re still living at the end of the policy, it seems like a good idea to be able to reinvest the…
There are commercials on the television and radio all the time and I see the little cars running around all the time for the nursing staff and therapists who visit patients at home, and can imagine how wonderful that is for people who don’t want to go into a nursing home, even if just for…
As I drive the freeways of Michigan, the signs posted above are already letting me know the death toll for accidents this year alone is beginning to climb. It is a sign that life is short and very unpredictable. It is early March and already the average is over 50 people a month. What I…
It was one of those phone calls no one wants to receive, but after receiving it, my sister-in-law sent out a group text that her step-son was in intensive care. He was on his way to work when he suddenly blacked out at the wheel. After a few days of tests, CT-Scans, blood work and…
Looking back on the years we raised our family, my husband’s company provided term life insurance that covered our kids. We always received those little mailers to start a new policy for each of them for a dollar, but I never did. We were probably pretty fortunate. So many of us never really think about…
Flower shops will run out of roses on February 14th as people purchase the long stemmed beauties to show their love for one another on Valentine’s Day, but what about leaving a lasting legacy instead? It might sound unromantic, but why not do something out of the ordinary and think out of the box this…
“It’s time to update your FAFSA,” read the first line of the email, and I was reminded of a story I read last year at this time about funding for college. Last year I had two children attending and this year all three, so the cost of tuition, books and board is daunting. In writing…
This time of year the W-2 and 1099 forms are showing up in the mailbox and email as that first of the year reminder that tax time will be here soon. If ever there should be a time for relief it would be in January, after we’ve all just spent a year’s budget on the…
Over the past few months there have been too many times when friends and family members have lost loved ones, or there have been obituaries in the paper of people much too young to pass. The reality is we can’t plan for our passing any more than we can change what happened yesterday. What we…