October 31, 2014

Insurance

Sometimes you just need insurance to cover yourself in the case of an emergency. Here are things to look for and things to avoid.

How To Bilk Obamacare

Wonder

Learn how a family of four can qualify for a full subsidy with an income of $140,000 a year.

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Does Buy Term and Invest the Difference Still Work?

George Marotta

Imagine these two strategies competing in a track race. It’s as if one runner were told to wait until the other finished her first lap before beginning.

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Annuities Are Still A Bad Idea

A very bad idea

“Up until recently” annuities were a bad idea. They still are.

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How to Calculate An Advisor’s Value: Risk Management and Estate Planning

Chess Row Of Pawns

Comprehensive wealth management is a bottomless task.

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Medicare Advantage Plans: Are They For You?

medicare3_t

Those planning to enroll in Medicare have lots of homework to do. In this article I cover the essential benefits of Medicare Advantage which is the private insurance option for Medicare recipients.

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How much life insurance does a parent need? ($ ?s)

$ Questions

Some suggest using ten times your take home salary as a rough rule of thumb when determining life insurance. Like all such rules, this rough guide is found lacking in many situations.

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$ ?s: Maintaining Health Insurance After Losing Your Job

healthinsuranceafterpinkslip_t

Review your health insurance options after losing your job – COBRA and High Deductible Health Plans.

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Obama Care is costing Americans $384 Billion more each year

Obamacare approved 3/23/2010

The “Patient Protection and Affordable Care Act” (PPACA), is misleadingly named. It has neither protected patients nor made healthcare more affordable.

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The Lowdown on HSAs ($ ?s)

$ Questions

Q: It’s annual enrollment time, and my employer is now offering a health insurance plan with a $3,500 deductible and otherwise similar benefits as an alternative to our conventional HMO health plan. What do you recommend I do?

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Video: The Dangers of Immediate Fixed Annuities

Danger of Immediate Fixed Annuities

The returns offered by immediate fixed annuities aren’t as good as they sound. The sleight of hand in this case is the immediate loss of 100% of your principal. They are fixed for you to lose and the insurance company to win.

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Umbrella Insurance Is Always the Right Answer

Mouse Under Toadstool

If you have a personal umbrella insurance policy, congratulations. If you don’t, you must not have a lot to lose. This important insurance can extend your liability coverage beyond your home and auto insurance by millions of dollars.

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Video: Health Savings Accounts

Marotta Youtube

Employers and employees alike are feeling the squeeze of swelling health care costs. According to the Kaiser Family Foundation, health insurance premiums have risen at an average rate of 12 percent per year since 2000. Unable to keep up with rising premiums, employers are forced to pass on costs to employees, to trim benefits, or worse yet, to dump the coverage all together.

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