Tag: disability insurance

What If? Is A Valid Question


The ability to decide is crucial.  Drifting and procrastination and waiting for a sign, work against you.  Too many variables remain in play. Control comes from a web of decisions with resources appropriately applied. There are conflicts. We live in a world of limited… Continue Reading “What If? Is A Valid Question”

Are You HENRY?


If you could no longer work starting today, what assets, specifically, would pay for your living and other obligations? One in six Canadians will be disabled for at least 90 days before age 50 and a very large share of those never go back… Continue Reading “Are You HENRY?”

Insure “You” For Value


No one solves a problem before they believe they have the problem. You will notice that it is not  a question of whether or not they have the problem, it is a question of whether they believe that they do.  Ask any insurance advisor. … Continue Reading “Insure “You” For Value”

How Not To Suck At Buying Insurance


Any kind of insurance.  Warren Buffett claims that risk is what happens when you don’t know what you are doing.  You can cure some risks with insurance.  That decision should not add more risk to your life.  Here are some things to know first.… Continue Reading “How Not To Suck At Buying Insurance”

Budget For This


Disability insurance is the forgotten disaster protection.  While disability insurance is crucial to security while you are working the statistics show that fewer people are opting in. Forbes recently published an article about it. There are important points relating to employee benefits.  Individually owned… Continue Reading “Budget For This”

Insurance. What’s It For?


Insurance Poor is everywhere.  Insurance poor can mean one of two things.  A) I am paying too much premium for the benefits I receive and I am therefore insurance poor.  Or B)  I have too little insurance and my family will be poor if… Continue Reading “Insurance. What’s It For?”

What To Do Until The Financial Planner Gets There


What are the basic first steps of financial planning? These are the ones that require no particular knowledge or skill. They are the things that everyone can and should do and few actually do. They are fundamental but not always fun. Let’s see what… Continue Reading “What To Do Until The Financial Planner Gets There”

For Advisers – Be A Good Neighbor


I have spent five hours reviewing a shareholder agreement for a valuable group of companies.  It is rather ingenious in the way it allocates equity value, control and day-to-day income distributions.  It is tax efficient and probably durable.  People have spent a lot of… Continue Reading “For Advisers – Be A Good Neighbor”

What Is Insurance For?


People often do not own a proper insurance portfolio because they do not know what insurance is for. I own casualty insurance like car, house, liability and group health but I don’t know as much about those as a specialist would. You should review… Continue Reading “What Is Insurance For?”

Office Overhead Expense Disability Insurance


Most people who have thought about it own Disability Income Insurance.  That will protect your personal spending while you are unable to earn a living.  But, what about the business expenses that will carry on even while you are unable to attend? Things like… Continue Reading “Office Overhead Expense Disability Insurance”

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