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 - Earthmaster Project Progress Just a little update on my Earthmaster......it's back from the dead! I pulled the head, and soaked the stuck valves with mystery oil overnight, re-installed the head, and bingo, the compression returned. But alas, my carb foiled me again, it would fire a second then flood out. After numerous dead ends for a replacement carb, I went to work fixing mine.I soldered new floats on the float arm, they came from an old motorcycle carb, replaced the packing on the throttle shaft with o-rings, cut new ga
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