Should you be worried about recent municipal bankruptcies?

Should you be worried about recent municipal bankruptcies?


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Municipal bonds have received a lot of attention recently, in part because their tax advantages could become more valuable in 2013. However, they also have come under scrutiny because of some widely publicized bankruptcy filings by local governments. Economic problems, lower investment returns, and cuts…

Why Purchase Long Term Care Insurance

Why Purchase Long Term Care Insurance


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Why are we purchasing Long Term Care?  Some significant trends are impacting the long-term care insurance industry.  Heightened consumer awareness, younger buyers, reformulated products and the intensification of multi-life sales –have led to a steady growth of long-term care insurance policies. The industry is benefiting…

Understanding Life Insurance


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 What Type of Life Insurance is Best for You? Life can be confusing and complicated at times. And buying life insurance can be one of those times-but it doesn’t need to be. Understanding the different types of life insurance can be easier than you think…

Long Term Care Insurance FAQ


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#1 – “Am I too young to consider buying LTC Insurance” Presently 40% of the people in the U.S. receiving Long Term Care are of working ages between 18-64 and 60% of the folks are 65 and older. Planning to seriously look at this Insurance…

Will & Trust Information


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Both Wills and Trusts are devices which you can use to provide for the distribution of your estate upon your death. Deciding whether a Will or a Trust best fits your needs depends on your circumstances. A Living Trust is a popular alternative to the…

Long Term Care


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What is Long-Term Care? Individuals need long-term care when a chronic condition, trauma, or illness limits their ability to carry out basic self-care tasks, called activities of daily living (ADLs), (such as bathing, dressing or eating), orinstrumental activities of daily living (IADLs) (such as household chores, meal preparation,…

Appointing a Health Care Poxy


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Health Care Proxy A health care proxy, or health care proxy form, is a legal document that allows a person to choose someone to make medical decisions on their behalf when they are unable to do so. In some states the person who is authorized…