“I’m not that far from retirement and I’ve still got some debt. I don’t have a lot of savings, but I have some. I don’t know if I have enough time left to save now.” It really is never too late to start saving. It just takes planning and the right savings options. Sure hindsight…
With the ability to purchase everything on time, one of my friends doesn’t like to delay gratification and purchases what he wants when he wants. This friend, a young man without thought of budget or future plans, hands over large portions of his paycheck to the lenders every month so he can accumulate the symbols of…
“I think I got a really good deal on my new car, but I’ll be paying on it for six years. I negotiated a great price though.” The difference between the really great price and the cost of the vehicle is where the difference lies. Most people look at a purchase and see the price…
“Oh, but if we don’t talk about final expenses now, the kids could be strapped with bills later that will make their grief seem like a cake walk. We’d better talk about leaving something behind besides a mountain of debt.” The truth is many people are reluctant to talk about how much it will cost…
“I’m trying to decide whether to purchase Term Life or Whole Life and can’t make up my mind. What is the biggest difference?” The biggest difference is that a Whole Life policy actually earns you money over the life of the policy. Term Life won’t. When my parents had me and my siblings purchase Whole…
The deadline for open enrollment has passed, and you still need some type of coverage. You know accidents and unexpected illness can and often will happen between now and the next open enrollment period on November 15, 2014. What are your options? One option is Short Term Medical Insurance. It doesn’t meet the 10 Essential…
Not exactly. Term Life Insurance is designed to provide for your loved ones in the event of your premature death, but NonMed Term 350 gives you more options than just to purchase a policy for a set amount. Unlike other term life policies, NonMed Term 350 can also be converted to permanent insurance, and includes an…
All it took was a few hours in the emergency department, a chest x-ray and three days as an in-patient with IV antibiotics and steroids to blow my budget out of the water. The deductibles and co-pays for that trip to the hospital took nearly a year to pay off, and several times I received…
Years ago, when I was younger and more care free, I didn’t worry so much about things like dental insurance. I took care of my teeth as best I could to avoid going to the dentist, so I didn’t need insurance or so I thought. I found out later how wrong I was when I…