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"You don't need to pray to God any more when there are storms in the sky, but you do have to be insured." -Bertolt Brecht (1898-1956) German writer.
What INSURANCE YOU NEED/DON'T NEED
What INSURANCE YOU NEED/DON'T NEED
What Is Supplemental Insurance and Should You Buy It?
10 Insurance policies you don't need
It’s Open Enrollment at My Company. Should I Consider Supplemental Insurance?
7 Insurance Policies You Don't Need
More about Insurance policies you don't need.
Insurance you probably don't have but probably need (if you own a business)
7 Other Kinds of Insurance You May Need to Buy for Your Home
QUOTE:
A Cautionary Tale Regarding Insurance: I have a cautionary tale regarding insurance. Many years ago, I was renting and woke up one morning with my then-small daughter to smoke. It turns out that some plumbers had been on the roof of the building, and it somehow caught fire. I didn't have renter's insurance then, and there was a lot of smoke damage. I had to replace my freezer and its contents and pay out of pocket. Bedding, clothing, and pretty much everything else had to be cleaned or replaced. I was lucky the fire didn't get to my apartment, and we got out safely. However, I have had insurance ever since. I drive an old car in mint condition but insure it quite well. Every time I make improvements to my home and property, I check with my insurance company to make certain that things are covered. There are things they don't tell you. I had someone ask if he could park his rather large RV on my property, and I said no. You are liable if something happens. I also have a neighbor who doesn't look after his property. That is his business. However, it became my business when eaves, shingles etc. blew onto my property and could have knocked out a window on my car or house or worse. I've only made one claim for hail damage, but having insurance more than paid for it. I do take precautions as much as possible so that nothing happens to what I worked really hard for but it takes just one time that you can't prevent something to lose everything. I still keep things as simple as possible but make sure that I protect myself by being insured.
Karen K from Dollar Stretcher Tips
Long term CARE insurance
Long term CARE insurance
9 Ways To Save on Long Term Care Insurance
How Likely Are You to Need Long-Term Care?
Worried About Long-Term-Care Expenses? Let’s Do Something About It.
Paying for Long-Term Care: How It’s Changing
How To Prepare for the Likelihood of Long-Term Care Costs?
Even in Good Times, a ‘Silent Stalker’ Can Raid Your Retirement Plan
Best Age To Buy Long-Term Care Insurance
Understand long-term care including how to find services, potential costs, and legal issues for seniors.
Long term care insurance o Handle an Increase in Your Long-Term Care Premiums
When Paying for Long-Term Care, You’ve Only Got 4 Options
The Ideal Age To Buy Long-Term Care Insurance
Best Age To Buy Long-Term Care Insurance
Is Hybrid Long-Term Care Insurance Right for You?
How to hold down the cost of long term care insurance
Retirees, This Is What It Takes to Be Your Own Insurer (long term)
Long Term Care Insurance (Consumers report)
9 Surprising Secrets About Long-Term Care and Medicaid
Insurance for Long-Term Care at Home
This Is the Best Age to Buy Long-Term Care Insurance
The Odds Say Long-Term Care May Be in Your Future: Are You Prepared?
Choosing the Best Long-Term Care Insurance Policy
The Long Term Care Partnership Program is a joint federal-state policy initiative to promote the purchase of private long term care insurance. The Partnership Program is intended to expand access to private long term care insurance policy to pay for long term care services.
6 Options to Fund Long-Term Care in Retirement
Is There a Way to Save Money On Long-Term Care Insurance? – Len Penzo dot Com
How to pay for long term care insurance
QUOTES:
Consider How You’ll Finance Your Long-Term Care:
What concerns you about your long-term financial future? Is it the longevity of Social Security and Medicare? Or maybe whether you’re saving enough money? One thing you probably should pay closer attention to is how you’re going to pay for long-term care.
According to a Barron’s article that Clark discussed on the Nov. 30 podcast, 80% of us will need some form of long-term care. Yet just 4% of us are paying for long-term care insurance. To be fair, long-term care policies can increase premiums over and over. So buying one of those policies too early can mean having to give it up before you even need it due to rising costs.
Here are some other potential solutions Clark suggests that you can consider:
Self-insure if you’re wealthy enough to do so.
Break Clark’s typical life insurance advice. Buy a whole life insurance policy with a tax-friendly rider for long-term care.
Contribute to an HSA and invest funds to pay for your health needs in retirement.
Use equity from a home you own to pay for long-term care.
Umbrella policy
Umbrella policy
Tip: Umbrella policy should be at least 1 million. Rule of thumb...buy 5X the value of your home.
Your Umbrella Policy Needs To Be Updated Thanks To A Bull Market
What’s Umbrella Insurance and Do You Need It?
Retirees, Cover Yourself With Umbrella Insurance
Why every policyholder needs umbrella insurance
11 Reasons You Need Umbrella Insurance Right Now
travel insurance
travel insurance
OTHER INSURANCES
OTHER INSURANCES
Looking to remodel? Dave Gartland's advice: Ask the contractor for a certificate of insurance—and make sure it includes coverage for general liability, worker’s compensation and commercial autos.
What Is Longevity Insurance and Do You Need It?
What Is Identity Theft Insurance and Should You Buy It?
Should I Get Insurance on My Water and Sewer Lines?
Longevity Insurance: What Is It and Do You Need It?
The One Optional Insurance Policy Every Home Buyer Should Get
Think Twice Before Wasting Money on Extended Warranties
11 Best Things to Keep in a Safe Deposit Box
Is Pet Insurance Really Worth It?
4 things you need to know about vision insurance
What Is Burial Insurance and Should I Buy It?
What Is Earthquake Insurance and Do You Need It?
QUOTES:
An Easy Way To Save for a Replacement
Regarding the tip "Instead of Buying an Extended Warranty" to bank the cost of an extended warranty and self insure. May I add, pay into that savings account monthly some small amount that is not painful to your budget, and eventually you will have the money you need when it is time to replace the item. Same idea — bank your car payment after you have paid your car off.
Janey from Dollar Stretcher Tips
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