The Life Insurance Toolbook

...can assist you Questions and Answers on Life Insurance  ...
During your life, you’re likely to make important choices that will affect you for years to come: determining the best suburb, buying the perfect house, and starting a new family. Purchasing life insurance falls into the same category. But selecting the right policy isn’t easy, especially when you’re faced with a constant barrage of commercials and brochures from competing life insurance companies.

With twenty years of experience in the life insurance business, Anthony Steuer delivers a practical, one-of-a-kind resource to guide you through the basics—and the finer points—of life insurance and to help you choose the policy that is just right for you and your family. Using a simple question-and-answer format, Steuer covers everything you need to know about life insurance, including how to:

• Differentiate between types of policies
• Find and evaluate a policy and company
• Hire a trusted agent
• Understand the practice of underwriting
• Monitor your policy

The Debt-Free Millionaire:

The wish to get out of debt can sometimes be smothered by the shear volume of information, and misinformation, available. To overcome such hinderances, what you need is one place to find the right answers, straight away. That's why author Anthony Manganiello—founder and owner of DebtFREE.com and President and CEO of Centricity, Inc.—has written  The Debt-Free Millionaire: Winning Strategies to Creating Great Credit and Retiring Rich Since 1995, Manganiello has assisted hundreds of thousands of people get out of debt, and now, he'll show you how to do the same. Throughout these pages, he skillfully outlines a plan that will allow you to destroy debt, develop better credit, and retire comfortably. You'll learn everything from how to perform a Cash-FLOW AnalysisTM—a straightforward approach to assessing your financial standing—to putting your plan into action. Along the way, Manganiello reveals how debt and credit should fit into your financial life and addresses how to employ specific strategies that will lead you to accumulate wealth instead of what you're most likely doing now, consuming it.
After reading this book, when you think of what a millionaire is, you'll realize that the only difference between you and becoming a millionaire is a matter of time and distance. The strategies outlined here will help you close that gap as quickly as possibly.

No matter what your current financial situation, the five simple steps comprising this plan will put you in a better position to prosper in the years ahead. You'll also find that as you progress through the Debt-Free Millionaire Plan, you'll be fairly well insulated from the economic ups and downs experienced by others who are stumbling through life without a plan.


"Read this book. Do what it says. Start living the dream. If you're ready totake charge of your financial future, this is the place to start."


—Keith J. Cunningham Keys to the Vault & Business School for Entrepreneurs

student loans a toxic debt?

...To be sure, Dr. Bisutti's case is extreme, and lenders say student-loan terms are clear and that they try to work with borrowers who get in trouble.
But as tuitions rise, many people are borrowing heavily to pay their bills. Some no doubt view it as "good debt," because an education can lead to a higher salary. But in practice, student loans are one of the most toxic debts, requiring extreme consumer caution and, as Dr. Bisutti learned, responsibility.
Unlike other kinds of debt, student loans can be particularly hard to wriggle out of. Homeowners who can't make their mortgage payments can hand over the keys to their house to their lender. Credit-card and even gambling debts can be discharged in bankruptcy. But ditching a student loan is virtually impossible, especially once a collection agency gets involved. Although lenders may trim payments, getting fees or principals waived seldom happens.
Yet many former students are trying. There is an estimated $730 billion in outstanding federal and private student-loan debt, says Mark Kantrowitz of FinAid.org, a Web site that tracks financial-aid issues -- and only 40% of that debt is actively being repaid. The rest is in default, or in deferment, which means that payments and interest are halted, or in "forbearance," which means payments are halted while interest accrues.....

Excerpt from a Wall Street Journal articel.

Financial First Aid for insurance money

We are looking for a review of Financial First Aid - Smart Remedies for Hundreds of Curable Money Ailments From Dealing with Debt to Protecting Your Assets (Proven Prescriptions for Treating the Most Common Headaches) by Mary J. Sprouse

If you have written a nice book review on this, we would like to publish this here.

fundamentals of risk and insurance book review

Why do you need to learn about risk and insurance? Possibly you are thinking of a career in the diverse and rewarding fields of risk management and insurance. If you plan on managing a company, you will need to know how to protect your organization from risk. And as an individual, you want to make informed decisions about protecting yourself and your family with life, medical, home, auto, and many other kinds of insurance. Whether you want to prepare for a career or simply become a more knowledgeable consumer, Vaughan and Vaughans "Tenth Edition" of "Fundamentals of Risk and Insurance" will give you a comprehensive, consumer-oriented introduction to the many facets of risk management and insurance. The "Tenth Edition" presents the principles of risk management, summarizes the nature of pure risk on the individual and on society, and illustrates how insurance can be used to deal with the problems posed by such risk. In addition to clear and engaging coverage of insurance principles and theory, youll walk away from this book with practical, how-to advice that will come in handy in both your professional and personal life. NEW features do include the changes to pension regulation introduced by the Pension Protection Act of 2006. Reflects changes to the Medicare program that were introduced by the Medicare Prescription Drug Improvement and Modernization Act of 2003, including Medicare Part D. New discussions of enterprise risk management, insurance-linked securities, developments in auto insurance pricing and underwriting, and recent innovations in life and annuity products.