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Old 08-19-2011, 07:59 AM   #1
sandy6565
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Default when thinking of life insurance

Many people cheap nike heels , when thinking of life insurance, imagine that it is something for the young only. They believe that life insurance is a tool best used by newlyweds with mortgages, parents of young children, and spouses who are both employed. What does that mean for seniors? Does that mean there is no need for life insurance in those who are retired? The answer to that question depends on your family's needs as well as your financial picture upon retirement.
Your Family's Needs
One of the biggest concerns among retired individuals is whether or not they have enough money set aside to last their entire lives. Since life expectancies are predictable authentic nike heels , but an actual lifespan is not, retirees are left with an uncertain bet that the amount of money they saved for retirement is enough. Sometimes, this bet is funded with a straight life annuity or pension that pays out like a straight life annuity. Both of these instruments could impact the surviving spouse's income if the annuitant or pensioner dies and there is no death benefit. When a surviving spouse stands to lose a portion of his or her income after the death of their spouse, then a life insurance policy can provide a much needed source of continuing income to replace the lost amount.
Another consideration is whether or not you would like to use death benefit proceeds to create a trust for your grandchildren. Leaving a trust account for their college or adult years can help take some of the financial burden from your children and your grandchildren as it may allow them to avoid student loans and other debt. Funding the trust with life insurance proceeds takes the funding burden off of your spouse and creates a fixed amount for the trust.
Financial Planning
Life insurance policies are great tools for making charitable donations upon death. If your spouse is not in need of the death benefit proceeds you can set them up either in a charitable trust or by simply naming a charity as your beneficiary. This allows your surviving spouse to see all the good your donation will do, without it impacting his or her financial picture.
Depending on how well-planned your retirement has been you may accumulate some debt in your later years that can be paid off with your life insurance policy death benefit. Debt as simple as a car loan, small home equity loan or even a loan for new furniture can cause undue stress to your surviving spouse and a life insurance death benefit is an easy solution to get rid of it.
Another financial planning consideration is estate taxes. While life insurance death benefits are generally not taxable ladies nike high heels , the rest of your estate may be. Instead of forcing your surviving spouse to liquidate assets or take funds from a retirement account to pay estate taxes or income taxes for the year you pass away, why not buy a life insurance policy to fulfill that need?
Conclusion
There are so many different ways that a life insurance policy can improve your surviving spouse and family's lives, no matter what your age is, that it is an expense everyone should consider. Without knowing what needs the future will bring, and what health complications could impact your ability to get insurance, the time to buy is now.
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Old 08-19-2011, 08:04 AM   #2
a9bimi9o
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Reprinted from alumni of the user at 00:06 on November 15, 2010 Reading (loading. ..) Comments (0) Category: Personal Diary

2, the boss can only give a location, not to a future. The stage is bigger, Renzouchaliang.
3, accident and tomorrow do not know which came first. No crisis is the biggest crisis to meet the status quo is the biggest trap.
4, saw and heard changed his life, unwittingly ruined life.
5, business,保佑我的家人!, can control the effort and investment, but can not control the results. Time to find a way of life proudly and disappointments, only escape route, BMW has a spare tire, your life?
6, the number of the world, talented losers, the world has a lot of highly educated unemployed homeless - because a wrong choice.
7, under the note, winning once; with the right people, win I know.
8,エアマックス95, learning as knowledge, knowledge to do things better, work better than a man.
9, do not know what's what, Half a bitter; not know who I of suffering.
10, life is not to live long and short, but to the insight of early and late.
11, a man doing things, to treat people: teachers who re-king,ナイキ エアマックス, who re-Friends of the gangsters, who has been dead weight.
12, no target people who always have goals to work on.
13, three stages of life: more than talent; than financial; than the state.
14, who if his own box in a certain range, it is easy to restrict their thinking and pattern.
15, the advantage of today's trends will be replaced tomorrow, grasp the trend and grasp the future.
16, read a lot better than traveling thousands of miles, traveling thousands of miles than reading countless people, reading countless people as teacher directions. The division is easy, that learning is hard to find.
17, education represents the past, financial representatives present, to future learning ability.
18, can go far in life, to see with whom; have much success, to see who is pointing.
19, smart people can read, see quasi-smart people, smart people far.
20, life is not successful, the success is temporary; life successful,nike air max, unsuccessful is temporary

remember these words he will help you become more perfect
remember: ·
Do not forget the success of the past; Do not forget the failure of a future.
expected to get to work, no hope of do not mind, would look good posture, regardless of winning or losing.
life is not one-way street, a road leads nowhere, you can turn.
the chemical composition of tears and sweat, similar to, but the former can only sympathize with you in exchange for the latter
but can earn you success.
become a required course in life always, become mature is elective.
to exercise-based, learn to health; to repair progress oriented, learn to seek knowledge;
to Jinde-based, learning life; to adapt based, learning to survive.
life, the four cardinal principles: know how to choose and learn to give up, loneliness, after too
from temptation.
When all low-key, you can high-profile, but not out of tune.
learn to forget the technology of life, learn to smile is the art of living.
what is good work: one does not affect the lifestyle, the second does not affect the family reunion, the three can
family.
like rust, consumes faster than labor wears more body.
best way to make dreams come true is to wake up.
philosophers worry, wise man always happy. Not because he loved all have, and
is owned by all his love.
life, there are several things that must not be lost: the power of self, a cool head,エアマックス2010, Greece
hope and confidence.

slowly learned:
01. gradually learned that someone else cares too often hurt themselves
02. gradually learned of their good people will less and less over time.
03. gradually learned that a person should own their own good, because very few people really care about you, they do not necessarily have things in your side. So to take care of yourself
04. gradually learned that a person really does not have a good return, and you tend to ignore may be your most important,
05. slowly learned that many things can be met without resort, and a lot of things only once,
06. gradually learned that love is not necessarily true, there may be interest, there may be psychological comparisons,
07. gradually learned what not to argue with others, because that is not the outcome, no matter who is right,
08. slowly learned that many times their own unhappy experience things other people do not want sympathy,air max, most people will take the cold retaliate. That would Gengrang people look down on,
09. gradually learned that there are many things that do not belong to you, you are liable to-day sent a hard force,爱是寂寞撒的谎,
10. gradually learned that may not have meaning in everything, do everything but think it is a memory!
11. gradually learned that personality can be so much difference to,
12. slowly learned that many people had become of you do not recognize, but please retain memories. 13. Slowly, know that from now on you can be sure grasp of each person to give you unable to retain people, not because we wanted to retain a group of individuals who lose.
14. slowly to know that he must care about their own self-esteem, but your self-esteem in the eyes of others is nothing,
15. gradually learned not to feel bad when angry people around, you want them to understand, people are not your parents, you can now understand how important their parents,
16. gradually learned, even if it was emotional to see does not matter, you must firmly believe that the feelings between people, it is possible that everything will not go beyond, but remember, it might
17. slowly, he realized the reality so helpless.
18. gradually learned that the encounter could not understand many of their people and things, but that has nothing to do with you, people love Zezheng as he, not students should not be born of gas, worth, / p>
20. gradually learned that the two people together who may not be friends, there may be nothing
21. gradually learned, will encounter many temptations, no matter how others like you is you, you have your principles and bottom line,
22. gradually learned that someone will hate you or make life difficult for you, but he kind of love how to how, we have to, generous, and bad people do not care about, but only if you right
23. slowly learned that many people can not understand the relationship between men and women friends, together, they must be lovers, not lovers will certainly not be together,
24. slowly to know, learning to be hard, because with smart people who can meet the test subjects is a Feng Mao Ling Kok,
25. slowly, he realized it a free down time is so boring, and no feeling of fullness school
26. gradually learned that the phone is something people use when looking for you, not to share feelings
27. gradually learned that the owner can not be friends, but do not put a person as an enemy, at least when the students,
28. gradually learned to play you can play in this game, and can not afford to do not play, or will lose nothing at all,
29. gradually learned that happiness often come from memories, and painful memories and reality often comes from the gap,エアマックス,
30. gradually learned that hip-hop slapstick only entertainment only, and past smoking fight is ignorance.
31. slowly learned that many people have ideas and practices you can not understand or do not know what he was thinking, do not try to figure out or guessing at that, that will make your tired, since people want to to keep it and let people maintain a sense of mystery to ah, but it is not a diviner,
32. gradually learned not to own to how high, there is no absolute victory, there is no absolute failure
33, slowly learned that life is a lot of unfair, you have to face, believe in the power and the people's eyes,
34. gradually learned that sometimes may not be imagined brotherhood so beautiful, only you give enough other people really be possible to get treatment.
35. gradually learned that some people constantly calculating, at the end has come to lose badly, so it should be to maintain a peaceful heart!
36. gradually learned that some things are not his own wish,腌辣椒【祖传秘方】, but some things have to go to completion, it is also a special training on their own.
37, slowly learned that two people with the original or true or false, or time to spend occupies an important component.
38. gradually learned that the root idea of ​​the gap between reality and must be alive, to keep up pace of life!
39. gradually learned that he himself was growing up, not a child, and adapt to the growth of everything.
40. gradually learned that giving people a good line in the future meet the real meaning, no permanent enemies only permanent friends, everything must not do too much, things end is to open our mouths to tell you.
41. slowly learned that no matter how good friends are likely to play out, but we still have to optimistic, if true to his (her) as their friends should be for him (her) blessing. Looking! just do that he has done.
42. slowly learned to accept their society slowly, so slowly have to learn to adapt.
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