Annuities have a long and historic lineage dating back to ancient times when Roman citizens and soldiers would receive an “annua”, or annual stipend, from the government in exchange for a lump sum of money.
In the investment and planning fields, we talk to clients about the benefits of consolidation of assets. It is a client centered value, often misunderstood and underutilized in many situations.
1) An individually owned life insurance plan is underwritten when you apply for the insurance. At the time of application, you’ll answer medical questions and possibly do some medical tests, and the insurance company will decide whether to approve your application or not. Once it’s issued, only you can cancel or modify it.
With credit card interest rates ranging between 11% and 22%, it’s no wonder people are looking for alternative ways to manage and pay off their credit card debt. This is where a personal loan might come into play; using a personal loan to pay off your credit card debt can help you manage your overall debt once and for all, if you know how to navigate the pitfalls.
With rates as low and competitive as they have ever been, it’s as close to a “buyers” market in life insurance as you’ll probably ever see. Still, in these cash-strapped times, curbing all costs and expenses is a priority for most people, and buying life insurance is no different.
Surely you’ve heard the advice “Pay Yourself First”?
My sister-in-law was up visiting this weekend for Thanksgiving. Steph and I love when she visits because it makes our son, Elliott, so happy!
“Auntie A!” he yells out in joy.
Our Viewing Experiences
We started our viewings list by looking at every house we qualified for that was on MLS and only one place didn’t have an offer on it, so thought we’d check it out. Because this house is still listed on the market, I don’t want to give the specific address. The place was a townhouse and looked pretty good.
After speaking with our broker, and before we met our realtor, we decided to check out an open house by ourselves. There was a place right around the corner from where we are renting that was at the very top of our budget, but we wanted to see what our budget would get us in our current subdivision.
Reality set in with a text from the landlord – “can we have a chat tonight?”