Buyer beware on insurance, some of the "investors" don't consider every aspect of the equation when making recommendations. They are focused on maximum returns and unfortunately sometimes I think they forget things. I'm not an insurance agent but I understand their are term products out there that can provide the coverage you need at a reasonable cost it's just you have to get into them EARLY and before you have any diagnosis of cancer, diabetes or heart trouble. This may mean getting into a longer term product that costs more in the beginning or a diminishing term where your death benefit tapers off a you get older, or getting into a term with renewal options or steps, yes your cost is a little higher up front and goes up as you age or if you got into one young enough a whole life or universal life for core coverage and low cost term to cover life events laddered to expire as the obligations you are insuring no longer exist (child/spousal support, college, mortgage ...). I am no fan of insurance companies but most people fail to understand pricing is (should) be based on risk and the more risk they assume the more you'll pay. If you manage your life so as you age you are financially able to assume more of that risk yourself you'll pay them less money over all. Someone mentions what protection you have on a prepaid plan if the funeral home goes under, what protection do you have if your insurance company goes under or becomes insolvent because they're holding corporate paper, the company issuing the bonds goes bankrupt then the government butts in and weakens the bondholder's position to pay off the union pension funds?
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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