Life Insurance is designed to replace lost income and pay the bills a death creates. It is not, never was, designed to be an investment vehicle. Think of it as a hedge between you and an uncertain future. Relying on statics accumulated over many decades, life insurance company actuaries, the trade’s “engineers”, calculate purchase prices [...]

The desire for basic freedoms has the middle east on the brink of a political paradigm shift. Will the average citizens there toss out their Dictators and Potentates, then replace them with representative governments?…or will they trade one despot for another? Only time will tell…meanwhile Washington dithers and wrings its hands while going to the [...]

The March 2, 2011 edition of Wall Street Journal included a report by Charles Forelle and Leslie Scism, regarding the EU’s European Court of Justice’s recent ruling declaring illegal including a person’s sex as an element in pricing insurance premiums. Sounds fair on the surface, but…. Setting insurance premiums, the cost paid for benefits provided, [...]

IRS is holding $1.1 Billion for Non-Filers of 2007 income tax returns. Are you one of them?…because half of those 2007 non-filers are missing out on estimated Refunds of $640, or more. You may not have filed a return because your earnings were very low, or for a variety of other reasons; however, federal income [...]