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For many, no day is complete without a trip to the neighborhood coffee shop. Many of us have been known to enjoy our triple nonfat caramel lattes, double espressos or half caffeinated mochas – whether we are shuttling our kids from school to the little league game, congregating with other parents to organize PTA functions [...]

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Buying Life Insurance in 60 Seconds

Published on 31 December 2009 by andrea in Life Insurance

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Buying Life Insurance in 60 Seconds

The Question: To Buy or Not Buy Life Insurance
The one question everyone must ask is, “if I died tomorrow, would I leave a loved one in a financial bind?” If your answer is “yes,” consider life insurance.  Then ask, “do I like paying really high commissions for something that I can do for myself?”  If your answer [...]

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Umbrella Liability Insurance 101

Published on 11 August 2009 by cloudfi in Blog, Life Insurance

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What is it?
Umbrella insurance refers to a liability insurance policy that protects your assets and future income beyond the standard limits in your auto and homeowner’s policies.  It’s an umbrella because it  covers liability claims from all policies underneath it, such as autos and homeowners policies.
For example, if you have an auto insurance policy with [...]

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Many value-oriented (and financially savvy) households stick to the adage of “buy term insurance and invest the difference”. The idea is that instead of buying the more expensive permanent insurance such as whole life, you can buy term insurance and invest the difference.

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