IN times of austerity, high, unexplained inflation and wages that do not rise with it, many families live to survive.Investing into savings plans for their children or opening a pension plan are often a luxury beyond means. One obvious ‘throwaway of money' is that of life insurance.Spending money to protect something you don't want to think about, and, believe for sure won't happen, seems like a luxury too far. Until its needed.Do you need life insurance?If you have dependents who rely on your income to pay the mortgage, feed them, clothe them, or even have a company that would need buying out by the succeeding partners, it is pretty essential.Check if you have cover within your company. Some death in service benefits are generous and if money is tight, paying twice for the same cover would seem pointless.Don't mix up accidental death cover and life insurance. The former is cheap, but only pays out in the event of an accidental death, the probability of which, is a fraction of … [Read more...] about Tips on protecting your family and business
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Before choosing a life insurance it is essential that you compare multiple policies first. This way you will have all the information you need in order to make the right decision. Your loved ones must be protected in case something bad happens to you. When you compare life insurances there are a couple of things you should know. We have come up with a list that contains the most important tips. Decide which type of insurance you want This is the first step. Life insurances cover different things, from disability to trauma. It is recommended that you get an insurance that covers you whether you become ill, injured or you pass away. Take a look at different insurers and see which are the different levels of cover. The right level of cover You should also think which level of cover you should get for your needs. Deciding how much money your family would need is something you should do after you take into account your debts, income, mortgage, fees and cost of living. The … [Read more...] about Here Are Some Things You Should Learn About Life Insurance Comparison
The biggest corporations directly pay for many healthcare services. There are ways small companies can do the same. Paul Johnson Published 7:00 am, Saturday, June 23, 2018 Photo: SARINYAPINNGAM | Getty Images Image 1of/1 CaptionClose Image 1 of 1 Photo: SARINYAPINNGAM | Getty Images You Can Cut Employee Health Insurance Costs the Same Way Big Companies Do 1 / 1 Back to Gallery The cost of health insurance has risen by 50 percent in the last decade. During that time, independent physicians reduced profitability, both in percentage and actual return. How can that be? Administrative costs, regulation and place of service are major contributing factors, as is waste, fraud and abuse. A recent Harvard study shows how to cut one trillion dollars -- a third of the total cost of healthcare -- with no … [Read more...] about You Can Cut Employee Health Insurance Costs the Same Way Big Companies Do
Published 5:01 am, Thursday, May 3, 2018 Image 1of/1 CaptionClose Image 1 of 1 If an injury or illness kept you out of work, could you pay your bills? 1 / 1 Back to Gallery (BPT) - You helped friends move their furniture; now your back is so sore you can’t move. You could be out of work and unable to collect at least three paychecks. Your doctor says you’ve eaten your last bacon-wrapped hot dog, or your health could keep you out of work for four paychecks. You made a diving catch to clinch the win for the company softball team. Though you were carried off the field a hero, you’ll be away from the office for eight paychecks. We’re all temporarily able-bodied — no one is immune from an unexpected illness or injury. One in four of today’s 20-year-olds will experience a disability before they hit retirement age, according to a June 2016 Social Security Administration fact sheet. LATEST SFGATE VIDEOS … [Read more...] about If an injury or illness kept you out of work, could you pay your bills?
Democracy Dies in Darkness Sections Home Subscribe Try 1 month for $1 Username Sign In Account Profile Newsletters & Alerts Gift Subscriptions Contact Us Help Desk Subscribe Account Profile Newsletters & Alerts Gift Subscriptions Contact Us Help Desk Accessibility for screenreader Get There by Michelle Singletary by Michelle Singletary Email the author April 16 at 9:05 AM Email the author (iStock photo) The day will come when you say goodbye to having a manager. You won’t have to endure any more annual employee evaluations. You will no longer have to work unless you want to. And with the end to your full-time employment years, you probably hope your tax bill will go down. It’s a perk that many people assume comes along with retirement. Except, as Benjamin Franklin once wrote, “in this world nothing can be said to be certain, except death and taxes.” “There was a … [Read more...] about You may be surprised what retirement income is taxed and what isn’t