Whenever life insurance is proposed the first two client-questions that inevitably follow are:  first, how much will it cost and then, are the premiums deductible (especially if the client is a business-person).  Let’s deal with the second. In a business situation life insurance premiums are never...

How much is a life insurance policy worth when the insured passes away?  Easy question, right? Just look at the amount of the death benefit on the contract.  Most think that, because the proceeds are received income tax-free, what you see is what you get.  If the policy says $100,000, then the beneficiary...

This article speaks to a ready market.  Why?  Because statistics suggest that 80% of all small and mid-sized businesses in the country have made no adequate plans for transition in the event of one owner’s retirement, long-term disability, or premature death.  And “adequate” includes being properly...

You can’t eat your cake and have it, too!  We’ve all said it many times and in every case we were talking about more than just desserts.  Layered within the phrase is the more subtle and intended message that you can’t have it both ways; or that to get something you’ve got to give up something...

Nothing saps the thrill of owning a sassy new automobile more than the increased premiums on the car insurance that are about half the amount of the monthly payment on your Little Deuce Coupe. And those nifty printer/scanner/copier/faxing machines that they are practically giving away at Paper-clips...

Okay, let’s start with a few premises and see where it leads:  Love is blind/ Marriage is an institution/ Love and marriage go together/ Therefore, marriage is an institution for the blind. I don’t know if Aristotle would approve of the structure of that syllogism, but it does illustrate that...

In the past the word culture referred to a society’s accumulated knowledge and its time-tested and proven body of values and principles which each generation must pass on to the next if the ongoing continuity and success of the community was to be assured.  But much like paper currency, words lose...

Why is it good to have a runner on second base?  Two reasons:  first, he’s in “scoring position” where a well-placed single will drive him home; and second, he can see the signals the catcher is giving the pitcher and pass them on to the batter.  In this subtle game of refined skills, anticipating...