Individuals

Strategy: Pay Life Insurance Premiums with Portfolio Earnings

One of the psychological hurdles in deciding to include whole life insurance in your financial program is the requirement of regular premium payments, possibly for the rest of your life. (Which could be a long time.) It is possible to …
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The Realistic Response to ‘Expert’ Optimists

Mark Twain said that an optimist is a day dreamer more elegantly spelled. If Twain were alive today, he might add that an optimist is a financial expert who can’t see trouble, even though it regularly shows up. Since 2000, …
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Coffee Stains on the Disability Insurance Napkin

Imagine that, after lengthy interview processes, two prospective employers offer you positions in their companies. Both companies are in the same industry, and your duties will be the same with either organization. The only real difference is the compensation package. …
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Buckets: Does a Macro Approach Fit a Micro Issue?

One of the biggest challenges in designing financial programs for individuals is their individuality. People have different skills, needs, interests, objectives and current circumstances; personalized financial planning is a micro issue. And every plan is unique. In contrast, governments and …
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Ridin’ with Rube Goldberg

RIDIN’ WITH RUBE GOLDBERG Reuben “Rube” Goldberg (1883–1970) was an American cartoonist, engineer, and inventor best known for humorous illustrations of complicated gadgets performing simple tasks in convoluted ways. Goldberg’s cartoons made people laugh because they could relate to the …
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Overcoming Economic Inequality with Financial Alliances

Economic inequality, defined as the difference in the distribution of personal income and economic assets within a social group, is a hot topic for sociologists, economists and politicians. Some see a relatively high degree of income inequality in the United …
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“Shocking” Probabilities for Future Retirees

At what point does a possibility become a probability? For example, when the weatherman says there is a “chance of precipitation,” how high does it have to be for you to grab your umbrella? 50 percent? 70 percent? If recent …
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The Cost of Waiting to Buy Whole Life Insurance

There are compelling reasons for whole life insurance1 to be included in your long-term financial program. Because a whole life insurance contract delivers a guaranteed financial benefit at a specific moment in time, it may be used to: address estate …
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Divorce and the Business Owner: Pre-Planning is Key

Story by: Eric C. Peterson, Contributing Writer of New Jersey Business Magazine Divorce can be a long, expensive and painful process, but what if one of the spouses owns a small or mid-sized business?  How does that factor into the …
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Basics for Beneficiaries

One of the necessary tasks after the passing of a family member is settling the decedent’s financial affairs. Some of these tasks are mundane, such as closing accounts, or stopping cable service. Some are mandatory, like reporting the death to …
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