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Wealth Management

What to Do When Your Term Life Insurance Is Expiring

Life Insurance

In an ideal world, you buy life insurance when your kids are young or you’ve purchased your first home, and you need the coverage only for about 20 years. By the time your policy nears the end of its term, your kids are on their own, your house is mostly paid off, and you’ve accumulated…

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There Is Fat In Broccoli?

healthy personal finance

There is!  Of the 33 calories in a cup of broccoli, there is .33 grams of fat, 2.48 grams of protein and 5.84 grams of carbohydrates (the good ones).  This sweet treat (1.50 grams of sugar) also has 2.3 grams of fiber.  Avocado, technically a fruit has 7.71 grams of fat per <2 oz. serving. …

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How to Replace Willpower in Spending

Willpower and Healthy Money Habits - Bonnie Sewell - American Capital Planning

Nobody dropped out of our plant-based lifestyle group class after the first week.  Comparing notes, others lost 5 lbs. just like I did.  Changing habits is a universal challenge among the classmates I spoke to.  Not eating any dairy, meat, or any other animal products along with no sugar, no oil and no added salt…

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Healthy Money Habits: How to Make Change Stick

Healthy Money Habits - American Capital Planning

Change is hard.  And change is slow.  At least this is true for me and the changes I’m trying to make permanent when it comes to healthy eating.  I have incentives: age, appearance, and most importantly, ankles.  My two titanium ankles are constantly asking me to “lighten up”.  I know what to do, yet I…

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Using an SPIA to Purchase Life Insurance

Submitted by DYSNYD Because we also work with older, high net worth clients, we have uncovered the need for life insurance, either to provide estate liquidity or for the purpose of increasing a family legacy. Whatever the reason, a life insurance policy is a major purchase for older clients, often requiring the payment of large…

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That’s Money In The Bank

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand Security, liquidity, and earnings are all benefits to having a savings account. Your money is federally insured up to $250,000 and you can access your money when needed. That doesn’t mean that…

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Do Spouses Need the Same Amount of Life Insurance?

Pat and Kelly, new parents, made a couple monthly budget adjustments upon the arrival of their first child. First, due to the added cost of day care and dependent health insurance, they decreased the amount they were saving for a house. And second, they agreed to review their life insurance needs. Pat’s sister suggested they…

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