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4 Questions to Answer Before Contacting a Book Agent
Obtaining agency representation is your first step toward getting profitably published. Most publishers won’t even look at unsolicited manuscripts. But, before approaching an agent to represent you, you should finalize the presentation of your...
Embrace Rejection – Every No Puts You Closer to A Yes
The last two weeks I have been waiting for an answer from a potential client on a large piece of business. While playing the waiting game I have been thinking a lot about the sales process. I realized I have not been turned down much lately....
Never Throw Business Away
You have permission to publish this article electronically or in print, free of charge, as long as the bylines are included. A courtesy copy of your publication would be appreciated - send to: info@DebbieAllen.com Never Throw Business Away ...
The benefits of secured loans
Borrowing money has become more and more popular in the UK over recent years, and this is partly due to the fact that it has become far easier to borrow money. The rising popularity of consumer finance has also been aided by the wide variety of...
The Right Way To Send Your Resume
Having a great resume is the first critical step in a successful job search. Unfortunately, most people don’t know the best ways to get that resume noticed. In today’s job market, where you are competing with hundreds of other resumes, knowing...
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A CPA Talks About Buying Life Insurance
Not everyone needs life insurance. The first thing to do is make sure you need it. Life insurance is really meant for your family members or other dependents who rely on your earnings.
Why You Buy Life Insurance
You buy life insurance so that, if you die, your dependents can live the same kind of life they live now. Strictly speaking, then, life insurance is only a means of replacing your earnings in your absence. If you don’t have dependents (say, because you’re single) or you don’t have earnings (say, because you’re retired), you don’t need life insurance. Note that children rarely need life insurance because they almost never have dependents and other people don’t rely on their earnings.
Life Insurance Comes in Two Flavors
If you do need life insurance, you should know that it comes in two basic flavors: term insurance and cash-value insurance (also called “whole life” insurance). Ninety-nine times out of 100, what you want is term insurance.
Term Life is Simple to Buy and Understand
Term life insurance is simple, straightforward life insurance. You pay an annual premium, and if you die, a lump sum is paid to your beneficiaries. Term life insurance gets its name because you buy the insurance for a specific term, such as 5, 10, or 15 years (and sometimes longer). At the end of the term, you can renew your policy or get a different one. The big benefits of term insurance are that it’s cheap and it’s simple.
Cash Value is Trickier
The other flavor of life insurance is cash-value insurance. Many people are attracted to cash-value insurance because it supposedly lets them keep some of the premiums they pay over the years. After all, the reasoning goes, you pay for life insurance for 20, 30, or 40 years, so you might as well get some of the money back.
With cash-value insurance, some of the premium money is kept in an account that is yours to keep or borrow against. This sounds great. The only problem is that cash-value insurance usually isn’t a very good investment, even if you hold the policy for years and years. And it’s a terrible
investment if you keep the policy for only a year or two. What’s more, to really analyze a cash-value insurance policy, you need to perform a very sophisticated financial analysis. And this is, in fact, the major problem with cash-value life insurance.
While perhaps a handful of good cash-value insurance policies are available, many— perhaps most—are terrible investments. And to tell the good from the bad, you need a computer and the financial skills to perform something called discounted cash-flow analysis. If you do think you need cash-value insurance, it probably makes sense to have a financial planner perform this analysis for you. Obviously, this financial planner should be a different person from the insurance agent selling you the policy.
What’s the bottom line? Cash-value insurance is much too complex a financial product for most people to deal with. Note, too, that any investment option that’s tax-deductible—such as a 401(k), a 401(b), a deductible IRA, a SEP/IRA, or a Keogh plan—is always a better investment than the investment portion of a cash-value policy. For these two reasons, I strongly encourage you to simplify your financial affairs and increase your net worth by sticking with tax-deductible investments.
If you do decide to follow my advice and choose a term life insurance policy, be sure that your policy is non-cancelable and renewable. You want a policy that cannot be canceled under any circumstances, including poor health. (You have no way of knowing what your health will be like ten years from now.) And you want to be able to renew the policy even if your health deteriorates. (You don’t want to go through a medical review each time a term is up and you need to renew.)
About the Author: Seattle certified public accountant & author Stephen L. Nelson CPA has written more than 150 books. His web site is http://www.stephenlnelson.com
Source: www.isnare.com
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| How To Conquer Public Speaking Fear |
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| Allyn and Bacon Public Speaking Website |
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| 10 Tips for Successful Public Speaking - Toastmasters International |
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| Strategies to Succeed in Public Speaking - School for Champions |
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| Public Speaking Home Page |
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| Public speaking - Wikipedia, the free encyclopedia |
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| UNIVERSITY OF TENNESSEE AT MARTIN COUNSELING AND CAREER SERVICES |
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| Painless Public Speaking |
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| Public Speaking Tips by Uncommon Knowledge |
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| Public Speaking Information |
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| Basic Public Speaking, 2nd Edition - The Teachers and Students ... |
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| Public Speaking - The Art of Speech Making |
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| Advanced Public Speaking Institute |
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