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Many of us are so behind in our savings that we must rethink our long-term financial goals, and may be struggling to find anything to leave as an estate to our heirs. If you haven’t been able to save enough for a tidy bequest, or your goals were crushed in the recession, try these tactics for Continue reading Creative Estate Planning – Maximize Your Legacy 1. Life Insurance Rates are Lower, Even Though You’re Older: Premiums have plummeted over the past decade, and you may be able to save hundreds of dollars by reshopping your policy, even though you’re older now. Term-insurance prices varied widely in 1998, and many major insurers were charging a 40-year-old man at least $750 per Continue reading Your Health and Insurance Costs – Four Ideas to Cut Your Costs Right Now Thanks to conservative investments in bonds, whole life—and its cousin, universal life—delivered positive returns during the financial crisis. But before you sign up for a policy, beware: You will pay hefty premiums and, in most cases, a steep up-front commission that eats up your first-year premium, leaving little of it for investment. Whole life and universal Continue reading Whole Life Insurance, Looking Good, Can Be A Conservative Foundation for Investments Question: My mother-in-law, who’s in her early 60s, was recently widowed. She now has Social Security and approximately 0,000 from a life insurance policy to live on. She’s not comfortable taking on much, if any, risk but she does need to generate income from the life insurance proceeds. Any recommendations for how she should invest Continue reading Making $300,000 Last a Lifetime |
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