on the radio with Paul Petillo
Join Paul Petillo on Financial Impact Factor Radio as he discusses everything from retirement to insurance, investing to estate planning, from getting started to preparing to stop. It is where talk about money comes Alive!
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Insurance is something we all need but none of us want. We all know that without it we would not be able to take risks, grow economies, or prosper.
books by Paul Petillo
I just published my fifth book - this time with Smashwords! ReBuilding Wealth in a Paycheck-to-Paycheck World by Paul Petillo, copyright 2011 This ebook is available across all platforms including iPad and iPhone, Amazon and Sony.
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Every one needs to do the occasional vehicle insurance comparison
on insurance: news
The company insurance is plan is better, or at least cheaper. But will your employer plan do what it should?
The key word is liability. No matter how hard we try to live cautiously, no matter how much we think we are covered, the gap in coverage that most Americans overlook comes with liability as a result of an accident.
Have you considered a Personal Liability Umbrella Policy?
So as a result of this shift in the law, we have an additional one million, reasonably healthy workers in the pool, which should (but has yet) driven the cost down. But suppose your child has access to their own health insurance plan at their new job?
Health Insurance and Your Child
Term life insurance suggest certain financial requirements. In and of itself, term doesn't do much more than give coverage to those you love in the event of your death.
Recoveries are fragile and insuring them is difficult. How mortgage insurance could hold up the housing recovery
Does Your Employer offer an FSA? If so, why haven't you taken advantage of it? Learn more about Flexible Savings Accounts.
Perhaps you fit the profile for an HSA? Learn more about Health Savings Accounts.
Consumer Alert A new law entitles you to free credit report. But is it really free?
You've been Stolen...A look at your credit safety
Annuities are part insurance, part investment. Can they be both?
Insurance Links (government level)
Look at your family and picture their economic life without you. Term life is by far the cheapest way to insure yourself and your family's future.
Special Report:Living Longer
There is growing concern among the insurance industry officials that their actuarial tables may be outdated.
on insurance: long-term care
What do you know about Long-term Care Insurance? Do you know what to ask the agent selling you the policy? If not, here are 18 Questions to ask about Long-Term Care (LTC)
on insurance: other types
An Insurance Primer
An overview of the various types of insurance that are available from the folks that protect everything you worry about.
Life Insurance | Health Insurance | Car Insurance | Home Insurance
Is it time to review of how you have planned for a disaster? A quick look at those policies might just give you some added peace of mind.
And while you are at it, take a look at the Life Insurance policy as well.
Have you considered insuring that vacation you are planning? Here is everything you need to know about Travel Insurance
Without a CLUE
: Has the change in the insurance industry caught you by complete surprise?
Avoiding Being Kicked When Down Combined with a large void in the education about investing (that was not attached to a product) and my curiosity, the search for disability insurance actually led me to a career as a writer.
What I found out then startled me. And still does. The Social Security Administration is a harsh administrator when it comes to doling out funds for the truly disabled.
This freedom to chose their own personal health service has its good side and its downside. Will your Company adopt a Defined Benefit Health Plan?
Are Medical Savings Accounts or MSAs a good idea?
Are Health Savings Accounts or HSAs any better?
on insurance: buying
On buying insurance
Do you understand your home insurance policy? You want to be sure that if you had a total loss of your home tomorrow, your homeowners insurance policy would pay enough to build the exact same house in the same spot.
Insurers can dispute claims for a number of legitimate reasons - unpaid premiums, suicide, foul play by the beneficiary.
From the LA Times
If long-term care insurance is so important, why are some of the biggest insurers pulling back from their offer to cover you or raising rates to such a level as to make it prohibitive? More here
Without long-term care insurance, the financial challenges, which can be costly can quickly change not only your personal balance sheet but your retirement plan.
When Amy Matsui of the National Women's Law Center noted tended to have smaller balances in their defined contribution plans or IRAs when compared to men. Life payments work better for women.
on insurance: annuities
I have never been a fan of annuities. The plain and simple truth to this belief rest on the fact that an insurance company should not be involved in your retirement future, past or present. Or should they?But insure your retirement? With annuities?
on insurance: women
I'm not quite sure why, but men have this protect-the-cave attitude when it comes to insurance while women are more about protecting who is in the cave. The insurance policies that men purchase often are large enough to cover the mortgage, the college education of their children and about 10 years of living expenses for their wife. What women need to know about insurance.