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Insurance Blog Week In Review January 2-8, 2007

The first week of 2007 has been an inspiring week for this Insurance Blogger! Not only because I have some great ideas and insurance things to write about–but, also because I have learned a few new things about Insurance myself. Insurance Term Of The Week: Insurance Credit Score Credit Protection Insurance. Consumer Credit Scores What Decides Score? How is the Score Used Errors Concerns Information Many of your are aware that my husband and I are adoptive parents of special needs siblings from the foster care system. I wrote many Adoption Blogs at Families.com before I took this position writing … Continue reading →

Roth IRA: Overview

In 1997 the Taxpayer Relief Act was passed and The Roth Individual Retirement Account (Roth IRA) was created and named in honor of the late Senator William V. Roth, Jr. Roth IRAs are Individual Retirement Accounts opened and managed through a stockbroker, mutual fund, or other provider of investment accounts. A Roth IRA offers an opportunity to invest earnings and avoid taxation. The disadvantage is that taxpayers cannot take a deduction for contributions to the Roth IRA. Some of the Key Points with a Roth IRA include: A tax structure unlike other IRAs: contributions are post-tax, but growth is tax-free; … Continue reading →

Flu Kits

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With all the talk about swine flu in the news lately, you may have heard mention of a “flu kit” — basically, a bunch of stuff to keep handy in case you come down with some form of influenza. The things in your flu kit can help keep you comfortable while the virus runs its course. So what might you want to put in your flu kit? Medical-Type Stuff A thermometer. Fever may be your most noticeable (and bothersome) flu symptom. Fever/pain medication, like acetaminophen (Tylenol) or ibuprofen (Advil). Avoid giving aspirin to children. Tissues. The flu can spread quickly … Continue reading →

The Family Business

When families think of their personal financial planning, it might be helpful to consider how business companies work and how corporations plan and use their financial resources. With a business the main objective is to earn a profit and efficiently use the businesses capital, to gain a return on the original capital investment. The goal is to achieve a level of success consistent with the level of risk the business assumes. Businesses and corporations, make financial decisions all the time they use their profit funds and the anticipated rate of return to lean many of the choices the make. Take … Continue reading →

Would Your Family Survive Without You?

Our family went to a local amusement park for the 4th of July celebration. While standing in the various lines with our children I noticed a man who was clearly hurting, sad, and appeared very lonely. He hardly smiled watching his three young children enjoy the day. At one point while standing in one of the lines we had a conversation. The man told me that just before Christmas his wife suffered a brain aneurysm and suddenly died at the age of 31, leaving him to raise their children alone. He said, “I never stopped to think about the financial … Continue reading →