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Long Term Disability - Rating factors

Part One Two Three 
Factors Influencing Cost
How much will it cost? A number of factors determine the cost of an individual disability income policy, including:
Age: Younger persons pay less per year for a policy than those who are older and more likely to become disabled.
Benefit amount: Policies that replace more of an individual’s salary are more expensive. A […]

Long Term Disability - Getting started

After reading many finance blogs - I come across a similar theme: We are educated, make good money and the world is our oyster; everything we have is due to our ability and good decision making; all we have to do is plan carefully, invest well and we’ll all retire millionaires.  Being a bit older than […]

Life insurance and Tobacco

By  Aaron C. Pinkston  
I was recently talking with a  financial planner friend of mine who is frugal, but still enjoys the finer things in life.  He bought a used, foreign sports sedan.  He takes his lunch to work most days, but enjoys a good dinner out.  He also smokes cigars, but doesn’t think he should […]

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