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Tag: life insurance

The Fee-Only vs. Fee-Based Financial Planner Dustup: Much Todo About Something?

Quick: what’s the difference between a “fee-only” financial planner and a “fee-based” financial planner? You haven’t a clue, right? Well, that means that the financial planning community hasn’t done a great job educating the public at large about what these labels mean, which is too bad because helping the public […]

Life Insurance and the Elderly: Leveraged, Already-Bought Assets that Should Not be Wasted

I just caught the tail end of a Dave Ramsey segment (he of AM radio financial advice call-in show) during which Dave, hater of all things debt, recommended that a son tell his 80-something year old parents to surrender a life insurance policy that had a death benefit of $150k […]

Putting Your Savings on Auto-Pilot Can Be a Great Idea (but Usually Not Via Complicated Life Insurance)

I’ve often said that your savings rate is the primary numeric fact underlying your overall financial health. See here, here, here and here, to just link a few. In the next breath, though, I usually have to add that, quite unfortunately, many of us are quite rotten at saving money, while just […]

Tax Rates and the Fiscal Cliff (a/k/a the ALLEL-GBTD-HSS-2001)

We now return to our normally scheduled program . . . *  *  * The election of 2012 is over and at least day-and-a-half-after debriefed. My how things have changed. Looking back we see how:      Twelve years ago we, as a nation, made decisions which, when aggregated, were […]