Risk assessment process for the consumer

Insurance Quotes - At one point in our life, we will ask for insurance, either life insurance, health insurance, disability income, long-term care. And we're going to have to be evaluated [more...]

Date: 2009-04-05 22:37:00

Blog posts (122) | Videos (278)
 

Dilbert’s “Unified Theory of Everything Financial.”

I have always enjoyed Scott Adams, convinced that he worked for the same company I do in my day job. (He doesn’t, by the way) When I read this, I was impressed and thought I’d pass it along. Make a will Pay off your credit cards Get term life insurance if you have a family to support Fund your 401k to the maximum Fund your IRA to the maximum Buy a house if you want to live in a house and can afford it Put six months worth of expenses in a money-market account Take whatever [more...]

Date: 2009-09-23 12:02:26

The cost of long-term care

NEW YORK (Money Magazine) — Some insurance decisions are easy. Take life insurance. You know you need it to replace the income your spouse and kids would lose if you died. Insurers don’t have much leeway to dispute claims for death benefits because "deceased" is a pretty definite condition. After you decide how much to buy, you can compare various term policies, see which are the cheapest and most practical, and buy the least expensive one that fits your needs. [more...]

Date: 2009-10-14 02:42:37

10 Important Reasons For Taking Out A Life Insurance Policy

Author: Donald Saunders Insurance is designed to protect you from disasters and their financial consequences ... yearly income. An important part of your financial planning, whole life insurance gives you peace ... you during retirement. 4. Some policies have riders such as restricted coverage of term insurance [more...]

Date: 2009-04-06 04:57:45

Freelancers Union

One of the issues facing working artists is that many of us are self-employed, ... , dental, term life and disability insurance, and in the state of new York is acting as it’s own ... workers. Most notable among them are things like health insurance, which can be a make [more...]

Date: 2009-04-04 04:10:27

Bailout Effect: AIG Underpricing Commercial Coverage

“ allows unhealthy insurers to grab more market share in the short term at levels that are unsustainable in the long term.” -David Sampson, head of the Property Casualty Insurers Association of America &gt ... -structured finance/hedge fund run Life Insurance competitors have a legitimate complaint. Why is AIG [more...]

Date: 2009-03-10 11:09:01

Beautiful

I received the watercolor painting I won from John Wright's blog earlier this week. I was so happy when I saw it in person ... online for term life insurance quotes . I also added my son as a beneficiary which I kept meaning [more...]

Date: 2009-03-27 14:08:00

What You Need To Know About Corporate Pension Plans

Last week, we looked at the problem looming in many established blue-chip companies that pay dividends now and may not later ... out life insurance, buy an annuity, set up a 401(k) or do any long-term planning yourself. Let’ ... . Is that reasonable? No way! Nor should you accept a rate like that in an annuity or life insurance [more...]

Date: 2008-11-13 16:08:34

Arrived? Yes! *

Oh yes! Finally, I am blogging here in my hometown Cagayan de Oro! As expected my super delayed travel was late all the way ... some term life insurance online quotes . I needed more details on it for some paper I am working [more...]

Date: 2009-03-11 23:51:34

Layouts that have caught my eye lately.

All images are clickable! I have been looking at some term life insurance quotes online and my eyes wandered over my favorite scrappers’ galleries. I am so happy to see Natalie Braxton [more...]

Date: 2009-03-08 18:15:16

Strapped for Cash?

A recent trend report from TrendWatching highlighted the increasing number of people who are supplementing their income with a part-time business ... increases in our health insurance, our property taxes, and more. It sounds like there’s more to come ... , it may be good to ask if all the obligations are really worth it. Is that life on your own terms [more...]

Date: 2009-04-06 07:00:36

Questions of the Week 48

Mommy Yen is back from her trip in Pinas and so is QOTW ! 1. “So…do you want the good news or the bad news? ... on asking for my number. Hehe! 5. Do you find that there’s too much choice in your life? Well, for me, it’s just a YES or NO. But when it comes to deciding which term insurance quote [more...]

Date: 2009-03-07 22:38:07

NAACP Calls for Passage of Legislation To Protect Workers Who Choose To Form Unions

NAACP URGES HOUSE AND SENATE TO TAKE UP BILLS AS SOON AS POSSIBLE AFTER SPRING DISTRICT WORK PERIOD The Employee Free Choice Act will make sure ... workers have short-term disability coverage, compared to 30% of their non-union counterparts. Finally, 82% of union workers get life insurance, compared with 51% of non-union workers. The impact [more...]

Date: 2009-04-03 15:38:12

Attention Moms and Dads: Avoid These 6 Mistakes

If you are one of the 31% of parents who has named guardians for your kids, you’ve probably made one of these 6 common mistakes: 1 ... unprotected! 5.  You very likely only named long-term care guardians and did not make any ... s your responsibility to leave enough money behind to take care of your kids either through savings or life insurance [more...]

Date: 2009-04-06 03:16:52

What Is An Annuity and Why Do I Need One?

In simplest terms an annuity is an agreement to pay out a regular sum in return for a one-off investment ... . For example, if you could gave me £100 I could agree to give you back £10 a year for a set number of years. In practice, annuities are a little like a ‘reverse life insurance’ policy ... [more...]

Date: 2009-04-03 23:04:06

Long Term Care - The Who, The What and The How

While life is populated by choices, one certainty that faces the majority of adults is that they can control their future options only by planning ahead. Financial planners recommend diversifying interests to insure profit. Real estate planners ... care as the nation’s baby boomers near retirement age and individuals are living longer and longer [more...]

Date: 2009-03-29 20:55:40

DirectLife From Phillips – One More Electronic Activity Monitoring Device

It looks like Fitbit has some competition.  This one has a monthly subscription after 4 months free an d looks a little different.  From the one picture below I don’t think this is going to replace my favorite pendent around my neck in near future.   There’s a page for the company to inquire and contact the HR Department.  The site states as most such devices that your employer gets aggregated data without personal identifying information.  That item I am curious about as if they just [more...]

Date: 2009-10-21 05:31:00

Guest Post: Slump Prods Firms To Seek New Compact With Workers

Zero Hedge Submitted by TraderMark at Fund My Mutual Fund A pretty solid piece in the Wall Street Journal on themes we’ve discussed quite often; essentially as the globe flattens and labor becomes more “disposable” (if you will), structural changes that are little discussed are happening slowly but surely. All the Great Recession has done is accelerate trends that were already building. [more...]

Date: 2009-10-22 15:40:18

3WC

Burger King sells a Windows 7 Whopper in Japan: Without apple pie. Rachel Maddow says she “looks like a dude”: Aerosmith song needed. Singer Nena part of a German cult which claims to own a time machine: Balloons not involved. Anti-wi-fi paint developed: Easier than tinfoil. Wisconsin Tourism Federation discovers what “WTF” means, changes name: Too much information. Man sues Bank of America for $1.7 sextillion: Plus damages, yet. [more...]

Date: 2009-10-22 12:52:40

My Story: Lousy ACC Cover and Thoughts on the Proposed Changes

Yesterday I applied for and got a one week extension on my research project as I couldn’t keep up with the necessary pace to finish it by Friday – I was getting too sore. This means that open mic week(s) needs to continue a little longer so please bear with us and do submit a guest post. Whilst we are trying to have blinkers on in terms of anything but study and essential day to day life, there have been some issues that have come up that we really want to blog on but lack the time. [more...]

Date: 2009-10-21 21:35:46

The House Judiciary Committee has voted along with 3 republicans to strip federal antitrust regulations!

We’re taking baby steps in health care reform, but this is a major step in finally coming down on the out of control health insurance companies who have raked Americans clean financially for years now! From the Washington Post : The House Judiciary Committee voted Wednesday to strip federal antitrust protections shielding health insurers from investigations into price fixing and other business practices, the first step in a legislative bid to clamp down on the much-maligned industry. [more...]

Date: 2009-10-21 22:18:41

The Pharmaceutical Industrial Complex: A Deadly Fairy Tale

by Dr. Doug Henderson and Dr. Gary Null Global Research October 21, 2009 It has been a particularly bad month for the pharmaceutical industrial complex in its ongoing litigations in American courts. Among the main pharmaceutical headlines, Merck’s Gardasil vaccine for HPV, now being widely administered to pre-teens, was found to be linked to amyltrophic lateral sclerosis, commonly known as Lou Gehrig’s disease; following a $1.4 billion fine in promoting one of its blockbuster drugs Zyprexa [more...]

Date: 2009-10-21 17:54:41

Lets Put an End To Sitting Home Alone

Joy Loverde You know the type. No senior care for these older adults. Elderly people who are busy and active maintaining friendships, participating in hobbies and sports, and having no problem at all getting around on their own. They’re on the go and engaged in life, hanging out at senior centers, signing up for classes at learning centers, volunteering for worthy causes, and taking part in neighborhood recreation programs. But that’s not the case for every senior. [more...]

Date: 2009-10-22 13:00:27

My Guide to Life Insurance

Author : Uchenna Ani-Okoye If the client's A1C level is above 8, then guaranteed issue life insurance is a more realistic goal Insurance agents without question are experts in life insurance, but when it comes to annuities they are usually very restricted in what they can offer Consulting a psychic isn't necessary, although it does require that you estimate the timing of your life insurance needs If you feel that life insurance settlements are too complicated to understand, it is actually [more...]

Date: 2009-10-22 02:21:05

Another Industry Insulted And Threatened By Obama – Insurance Industry

Who does Obama and the Democrats think they are?  Do they really think to demonize absolutely everyone in the nation that they can bully us into forced government run health care.   No.  Will not happen if I have anything to say about it.  This is one area that is very personal and I am the only one that can make the choices I need for me.  How about you?   DO NOT PASS THIS BILL!!!  This administration has shown a pattern of distrust, threats and intimidation and they call it Chicago politics.  [more...]

Date: 2009-10-22 13:16:27

Confronting Too Big to Fail

Governor Daniel K. Tarullo At the Exchequer Club, Washington, D.C. October 21, 2009 Confronting Too Big to Fail The far-reaching financial crisis that has afflicted our country in the past two years has drawn attention to a raft of problems–from the concentration of commercial real estate exposures in some regional and community banks, to the risks associated with some forms of derivatives, to the need for more vigorous financial services consumer protection. [more...]

Date: 2009-10-21 18:00:39

The Snowball of Derivatives: The Specter of a Second Black Swan

Banking sector consolidation  (via acquisition of failed banks) and the generalized bailout of bondholders, actions both promoted by governments, have aggravated the problems of “too big to fail” and  “moral hazard”. Hence incentives for reckless behavior have actually heightened. So far there has been lots of talk within the G-20 and other forums but little action to tackle the problem at national and especially at transnational levels. [more...]

Date: 2009-10-21 20:24:30

How To Use Credit Cards Without Bankrupting Yourself

Credit cards, contrary to popular belief, are not a necessity. It is perfectly feasible to go through life without a credit card – but few are cash rich enough to do so and building credit is difficult without some kind of revolving credit in your history. Not to mention that making online purchases and accruing rewards is nearly impossible with cash (though admittedly doable with a debit card). In spite of all this, credit cards are, essentially, a convenience. [more...]

Date: 2009-10-21 09:00:43

Cavalcade of Risk's spooky pre-Halloween edition

Did you know that this week is Protect Your Identity Week? Identity fraud seems like a rather timely theme for the week leading up to the nation's second most-popular holiday, noted for widespread trickery, mayhem and identity assumption. All levity aside, Halloween holds a fair amount of risk, so here are some risk reduction tips for the homeowner, the employer, and all the little monsters. And a word to the wise: don't forget to update your Zombie Insurance. [more...]

Date: 2009-10-21 13:22:57

Life Insurance Facts and AIG s Collapse

Author : Clara Ken Don't let the variety of life insurance in the market confuse you You can get clarification about which life insurance was designed especially for you in mind from a life insurance agent or a financial advisor Life insurance simply makes life easier for those you leave behind Picking out the best life insurance for yourself involves investigating the company offering it very well Life insurance companies are all over the place hence the need to search intensively for the [more...]

Date: 2009-10-21 09:43:37

Review of UTI Mahila Unit Scheme Mutual Fund , Excellent Mutual Fund

Have you seen a Diamond or anything equivalent to that ? No ? I will show you one today . I am going to review a fund which has performed so well that It despite being a Debt oriented Mutual funds has given returns which we expect from Equity over long term . Yes !! .. This fund has no more than 30% allocation in Equity ever and despite that, it has given a long term return of 16.6% (at the time of writing) and has many more accolades to its credit . Lets have a deeper look . [more...]

Date: 2009-10-21 13:22:00

Is an Adjustable Rate Mortgage for You?

Our parents may have had the same mortgage (and the same home) for 25 years, but times have changed drastically, and most mortgages now are no longer fixed rate, long term, but rather ARMs (Adjustable Rate Mortgages) this is by far better. And once we were used to ARMs, along come more hybrids, such as index ARMs, all this new options may help you obtain the best ARM for you. Some of these indices react quickly to changing market conditions and others lag behind these changes. [more...]

Date: 2009-10-21 15:26:21

7 Online Cyberbanking Success Stories

Your ad they receive clear and you wonder if it may receive additional accounts that are visible. What am I talking about? Banking online! In addition, as the internet bank, this institution is that the majority cyberbanking they cyberbanking casework through the Internet. Typically, bank online action consumer price air accumulation, low-price accommodation, and the mixture added services. Let us present at the 7 winners in this quickly developing field: 1. [more...]

Date: 2009-10-21 05:11:45

Housing - Rent Or Buy?

Real estate…. now that brings to mind lots of things… a home to live in, a place to call yours,house ownership.But for many people in New Zealand, buying a home is beginning to be totally out of reach in mine and in their lifetimes.What with the rental situation, almost half of someone’s wages ( if you are earning a wage, say $500nzd) [more...]

Date: 2009-04-07 00:33:35

Top 3 Tips for Buying Life Insurance

When buying life insurance, it is important to remember that it is a policy that will ensure that loved ones who remain living after your death will have the financial means to cover your obligations and any other expenses that you may have. It is also used to cover any expenses incurred at the time of your death, such as medical coverage and funeral costs. Here are the top 3 tips for buying life insurance coverage to guarantee that your loved ones have what they need when they need it most: 1. [more...]

Date: 2009-10-22 13:20:12

Of witch hunts, balls, and revolving doors

myiq2xu has a great post up at The Confluence  about the poor put-upon bankers who are unhappy that they may be required to face some sort of salary restriction. He quotes a  Guardian article which quotes on of these misbegotten souls as saying: Regulation is generally bad. You should let the market decide what the people [more...]

Date: 2009-04-05 18:04:49

Estate Planning Basics- Power of Attorney and Health Care Proxy- Get It In Writing

E state planning is mostly about putting mechanisms in place to ensure that your assets are distributed according to your wishes once you are gone ... your financial affairs? Who would act on your behalf to pay bills, watch over investments and deal ... to act on your behalf with regard to legal, business or financial affairs. A big advantage of a power [more...]

Date: 2009-04-06 11:11:19

Resisting Cultural Degradation

There's a recent onging gay marriage debate between Rod Dreher on one side, and Damon Linker and Andrew Sullivan on the other. Clicking around, I found this quote from Jim Manzi at The American Scene : I think that the prevalence of the social conservative worldview, broadly defined, is on a long-term downward [more...]

Date: 2009-04-03 03:50:00

So Much for the 401(k). Now What?

(Photo: Spencer Platt/Getty Images)Tens of millions of Americans are enrolled in private employer-sponsored retirement plans — the great majority of ... the wipe-out of years of savings, are there ways to make retirement nest eggs safer? What might ... and director of the college’s Center for Retirement Research.Even before the financial crisis [more...]

Date: 2009-03-26 01:00:48

Obama strategy: Marginalize most powerful critics

     President Obama is working systematically to marginalize the most powerful forces behind the Republican Party , setting loose top White House officials to undermine conservatives in the media , business and lobbying worlds.  Their insults straight from the whitehouse.gov site.  http://www.whitehouse.gov/blog/Word-from-the-White-House-Republican-Leaders-Plan-to-Delay-Define-and-Derail/   MONDAY, OCTOBER 19TH, 2009 AT 12:35 PM  Word from the White House: Republican Leaders’ [more...]

Date: 2009-10-21 15:01:00

What is a whole life insurance policy?

You Asked: What is a whole life insurance policy? — Sherry, Manchester, N.J. Marshall Brain Answers: If you look at an article like How Life Insurance Works , there are two big categories of life insurance: 1) term life insurance and 2) permanent life insurance. Term life insurance is pure life insurance. You might buy $100,000 in term life insurance. You pay some amount of money per month (depending on your age, your health and the length of the term) for some term of coverage. [more...]

Date: 2009-10-20 22:03:53

Full text of Barack Obama's online town hall meeting

At least some Americans may have actually been working in paid employment during President Obama's pioneering online town hall meeting. He promises more such participatory presidential interrogations. The Ticket took an anticipatory look at these pioneering presidential forum earlier today right here and then an examination of how the [more...]

Date: 2009-03-26 20:14:53

Interior Fit Out Guidelines for Effective Companies

Introduction A vast number of people work in offices of one kind or another ... . Solicitors, doctors, estate agents and insurance agents, in fact any business that you can think ... , but it is an awful lot of your life cooped up in small space. If at least a third of one’s working life [more...]

Date: 2009-04-06 16:31:06

What Is My Role For Government?

Over on Sis B’s blog she puts out question for us conservatives to pony up some answers. (via TryingToGrok ) So, Republicans, what do you think? No sour grapes, no snark, no name-calling, no pointing fingers, no predicting America’s doom at the hand of the Democrats, no slogans, no quoting each other [more...]

Date: 2009-04-06 21:51:59

Morning Buzz: Monday 3.30.09

David Zahniser takes a post-Measure B look at Brian D'Arcy, who runs the International Brotherhood of Electrical Workers Local 18 at the DWP ... and attempted insurance fraud. DN Former mayor Richard Riordan calls the special state measures ... . No company has come close." Blog Embattled Animal Services chief Ed Boks tells Rick Orlov "I'm [more...]

Date: 2009-03-30 15:55:07

Matt Taiibi: The Big Takeover - Rolling Stone Magazine

The global economic crisis isn’t about money - it’s about power. How Wall Street insiders are using the bailout to stage a revolutionROLLING STONE | March 19, 2009The Big Takeover-Matt Taibbi It’s over — we’re officially, royally fucked. No empire can survive being rendered a permanent laughingstock, which is what happened as of a few weeks ago, [more...]

Date: 2009-04-06 19:14:43

The Week That Was (Not As The Market And Media Will Have You Believe)

As the financial world is losing one of its best and brightest advisory brains through David Rosenberg's impending departure from Merrill, we believe in spreading his gospel as much as we can, as his vision and instincts have saved many people (at least those who have found the contrarian in them to listen and act on his advice) [more...]

Date: 2009-03-27 22:53:56

The Financial War Against Iceland by Prof Michael Hudson

Dandelion Saladby Prof Michael Hudson Global Research, April 5, 2009Being defeated by debt is as deadly as outright military warfare.Iceland is under attack – not militarily­ but financially. It owes more than it can pay. This threatens debtors with forfeiture of what remains of their homes and other assets [more...]

Date: 2009-04-06 00:17:46

Pensions blow for those soon to retire

New OAPs to be hit by 'quantitative easing' Hundreds of thousands of people approaching retirement will be offered far lower pensions for the rest ... now to buy annuities - which guarantee them a set income a year until they die - will receive much lower ... schemes, which guarantee employees a set percentage of their income at retirement, for life, are [more...]

Date: 2009-03-29 00:01:00

Beyond the crossroads

From The Economist print edition The election may be a shambles, but democracy is thriving UNDER Suharto, the dictator who ruled for 32 years until 1998, Indonesian parliamentary elections were not so much rigged as scripted. But the pointless campaigns were lively, colourful affairs, giving an impressive imitation of the forms of democracy [more...]

Date: 2009-04-05 14:35:00

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