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Thursday, October 17, 2019

Did you think it was a good thing when retail giant Target committed to raising its minimum wage to $15 an hour? If so, think again.Yes, the company did raise wages. But they also reduced hours, which made some people ineligible for...

Monday, October 14, 2019

The Week on Wall Street Stock prices pushed higher last week, as investors remained hyper-focused on any new developments with the U.S. trade negotiations with China. The Dow Jones Industrial Average picked up 0.91%, while the...

Monday, October 7, 2019

The Week on Wall Street The fourth quarter started with a mixed week for equities. The Dow Jones Industrial Average lost 0.92% for the week; the S&P 500, 0.33%. In contrast, the Nasdaq Composite improved 0.54%. Overseas stocks pulled...

Monday, September 30, 2019

The Week on Wall Street Stocks retreated last week. Traders worried that the formal impeachment inquiry of President Donald Trump might distract White House officials from their pursuit of a trade deal with China, and shift the focus...

Wednesday, September 25, 2019

Giant retailer Walmart just opened up its first first health clinic in a Georgia store. Here's what I love about this innovation:Comprehensive primary care: primary medical, dental, vision, and mental health care are provided...

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Monday, September 23, 2019

The Week on Wall Street Investors reacted to two major news items last week, one far more of a surprise than the other. The Federal Reserve did indeed make a rate cut, matching Wall Street expectations. Drone strikes on two of the...

Monday, September 16, 2019

The Week on Wall Street Stocks edged toward all-time peaks during a relatively calm week marked by easing trade tensions. Friday marked the eighth straight daily advance for the Dow Jones Industrial Average.[1] Small-cap shares, as...

Tuesday, September 10, 2019

I am glad to hear that a New York surrogate court awarded the executors of the estate of Leona Helmsley $100 million in fees. The entire estate was worth $5 billion.Having served myself as an executor for the estate of a family member...

Monday, September 9, 2019

The Week on Wall Street Stocks rose last week, with help from two developments: the announcement of further U.S.-China trade talks as well as August hiring and manufacturing numbers that seemed to bolster the argument for a rate cut...

Monday, September 9, 2019

The folks at Aging.Parents.com were recently featured in Forbes. They have solid advice for a growing concern among many people in their 50s and 60s: how to assist parents who are aging and losing their independence.The challenge...

Tuesday, September 3, 2019

The Week on Wall Street Fears of an impasse in the U.S.-China trade dispute lessened last week. While additional U.S. tariffs on Chinese imports were scheduled to take effect on September 1, China's government communicated that it...

Thursday, August 29, 2019

The hot controversy over NFL players taking a knee during the national anthem, has an angle that has been under- played, but which is nonetheless crucial. It deals with the corporate responsibility – or lack thereof – of...

Thursday, August 29, 2019

Here's my two cents on the Obamacare/Trumpcare debate.I’ll tell you what I don't want when it comes to medical insurance: I don't want the federal government taking over the entire marketplace just to make sure a small percentage...

Wednesday, August 28, 2019

Do you want to know what sets me apart from other businesses? I am dedicated to putting my clients’ best interests first and making the life insurance process streamlined and clear. My passion is to ensure that my clients have...

Tuesday, August 27, 2019

I grew up at a time when milk was still being delivered to your home. True, it was phasing out; but was since replaced by pizza delivery, Chinese food delivery, and a host of other home delivery services.The home delivery guy was such...

Monday, August 26, 2019

The Week on Wall Street Traders assumed that the week's biggest news event would be Federal Reserve Chairman Jerome Powell's speech at the annual Jackson Hole banking conference. Instead, China seized the headlines by announcing new...

Monday, August 19, 2019

The Week on Wall Street U.S. stock indices saw significant ups and downs last week, with traders looking for economic cues from Treasury yields and also developments in the tariff fight between the U.S. and China. The S&P 500 lost 1...

Monday, August 12, 2019

The Week on Wall Street Stocks spent much of last week rebounding from a Monday drop that reflected nervousness about the U.S.-China trade fight. By Thursday's closing bell, the S&P 500 had regained all its Monday losses - but it...

Tuesday, August 6, 2019

Matt Walsh at the Daily Wire has a keen insight into the epidemic of horrific mass shootings that have hit our country in the last fifteen years or so. His research points to the “gamification of terror:” people who...

Monday, August 5, 2019

The Week on Wall Street Last week, the Federal Reserve cut interest rates for the first time in more than a decade, in line with Wall Street's expectations. Ironically, stocks had their worst week of 2019. The S&P 500 finished the...

Monday, August 5, 2019

Melissa Blazejak, an editor with HR Daily Advisor, has published a most informative article on hiring millennials. I like what she says, and it rings true as she is herself a millennial. I have been employing people for decades, and...

Friday, August 2, 2019

A recent article in Familywealthwatch gives us insight into what makes super rich people tick. There are no surprises here.No, they don't have an exceptional greed for money.No, they don't envision themselves as rulers of the world.No...

Wednesday, July 31, 2019

As you may know, I have spent the last five years retooling my firm into a resource for world class insurance products and services. That process has included the design of a state-of-the-art website and corporate rebranding. Our...

Wednesday, July 31, 2019

Reason Magazine has run an article with surprising news - there is still room in the marketplace for small business operators!It's encouraging to hear that small retail stores can compete with online giants like Amazon. I think it's...

Tuesday, July 30, 2019

Life insurance consultant Bill Boersma has identified some of the major pitfalls of life insurance premium financing in an article in wealthmanagement.com. Brokers and advisers who propose such an arrangement to their clients would be...

Monday, July 29, 2019

The Week on Wall Street Last week, investors assessed earnings and the initial estimate of second-quarter economic growth, while awaiting the Federal Reserve's next announcement about interest rates. Stocks rose for the week;...

Monday, July 22, 2019

The Week on Wall Street Stock benchmarks retreated during the first week of the second-quarter earnings season. As some big names shared quarterly results, investors seemed more interested in what might happen at the Federal Reserve's...

Monday, July 15, 2019

The Week on Wall Street Friday, the S&P 500 settled above 3,000 for the first time, after rising 0.78% for the week. The Dow Jones Industrial Average chalked up a milestone of its own: the blue chips ended the week above 27,000,...

Monday, July 8, 2019

The Week on Wall Street U.S. stock benchmarks opened a new quarter positively. The S&P 500 gained 1.65% in the opening week of July; the Dow Jones Industrial Average, 1.21%; the Nasdaq Composite, 1.94%. Overseas, stocks in developed...

Monday, July 1, 2019

The Week on Wall Street A month of gains for stocks ended with a weekly retreat. The S&P 500 lost 0.30%; the Nasdaq Composite, 0.32%; the Dow Jones Industrial Average, 0.45%. In contrast, overseas shares, tracked by the MSCI EAFE...

Saturday, June 29, 2019

This may seem like an odd question, but have you ever thought about how long you should stay married? The traditional idea, and what you often hear in wedding vows, is “til death do us part.” My parents certainly came from...

Monday, June 24, 2019

The Week on Wall Street The S&P 500 hit an all-time peak of 2,964.03, in intraday trading Friday, while improving 2.20% across five market days. The Dow Jones Industrial Average and Nasdaq Composite posted respective, 5-day advances...

Monday, June 17, 2019

The Week on Wall Street Stocks advanced for a second straight week. The S&P 500 benchmark rose 0.47%; the Nasdaq Composite, 0.70%; the Dow Jones Industrial Average, 0.41%. Overseas shares, as tracked by the MSCI EAFE developed markets...

Monday, June 10, 2019

The Week on Wall Street Stocks rallied during a week in which Wall Street was buffeted by headlines. The S&P 500 rose 4.41%. The Nasdaq Composite and Dow Jones Industrial Average respectively added 3.88% and 4.71%. The MSCI EAFE index...

Monday, June 3, 2019

The Week on Wall Street Stocks struggled during a 4-day market week as the U.S.-China trade standoff continued to weigh on the minds of market participants. From the Friday, May 24 close to the Friday, May 31 close, the S&P 500...

Tuesday, May 28, 2019

The Week on Wall StreetStocks drifted lower last week as investors considered the possibility that the world's two largest economies might take some time to resolve key trade issues. The S&P 500 retreated 1.17%; the Nasdaq Composite,...

Wednesday, March 13, 2019

How to get life insurance and protect your mortgage is something that should be taught in every high school across the country. Why? Because home ownership is still a major theme of the American dream. And people typically cannot...

Wednesday, January 2, 2019

What was the resolution you made this New Year's Eve? Was it to make more money? Be less angry? Feel more love? Be less overweight? Can you be guaranteed success in achieving any of your goals? I think so. Here's the key: if you want...

Wednesday, November 14, 2018

Key person coverage is essential in a business, whether you’re small, medium, or international. Key people play many important roles: Has managerial responsibility.Is responsible for sales.Is connected with creditors.Is...

Wednesday, October 10, 2018

One of our strategic partners provides a platform for consumers to purchase term life insurance online. Shoppers can get prequalified, receive a quote, apply, get approved, and have a policy emailed to them within minutes! Not only...

Wednesday, September 26, 2018

$1 million is nothing to sneeze at. If you are someone of limited means, $1 million could be a windfall of extraordinary proportions. Truly a life-changer. On the other hand, if your personal net worth is $100 million, then $1 million...

Wednesday, September 12, 2018

What exactly qualifies somebody as an expert, and do you really need one when buying insurance? People tend to define expertise solely based on knowledge: product knowledge, tax laws, etc. But that doesn't really address the bottom...

Wednesday, August 8, 2018

Most people buy a life insurance policy and stick it in the drawer. Time goes by, and then – surprise! The price goes up. If it's a term policy, the policy renews at an exorbitant rate. If it's universal life, policy costs...

Friday, April 13, 2018

In this series so far, we have discussed the importance of not playing God in business situations – with your clients, with your employees, and in your profession. But this tendency to play God isn’t limited to the career...

Friday, March 30, 2018

You can’t tune into the news these days without hearing a breaking story about sexual abuse. The #MeToo Movement has brought to public attention the travesty of sexual predation that takes place in many industries. While its...

Tuesday, March 20, 2018

When you are in a position of authority and hold significant amounts of knowledge and experience, it’s not a big step to start taking advantage of your power and playing God. In previous articles in this series, we discussed the...

Tuesday, March 6, 2018

We all have a personal history. This backstory of your life not only impacts your identity, your life situation, and your relationships, but it also plays a major role when applying for life insurance. In our introductory article...

Saturday, February 24, 2018

In our last article, we talked about not pretending that you own your clients. You do this by treating them as the freethinking individuals that they are and not taking them for granted. This ensures that they do business with you...

Friday, February 9, 2018

One of the most talked about cultural and societal issues of late is that of sexuality and gender. The #MeToo movement supporting victims of sexual harassment has brought many secrets to light, with influential leaders in many...

Friday, January 19, 2018

We live in a culture marked by striving and entitlement. Sometimes those qualities are positive as they help us reach our goals and achieve great things. But getting what you want in business - and life in general - should be as much...

Tuesday, January 9, 2018

Congratulations for making it to the sixth and final post in the Special Handling series, where we’ve taken a deep dive into the world of underwriting and prequalification, unique challenges that can arise, and many, many...

Wednesday, December 13, 2017

Believe it or not, the holiday season is upon us! For many of us, that means a break from work, time spent with family, and hopefully, some rest and relaxation. Taking the time to unwind during the holidays is much-needed and should...

Thursday, December 7, 2017

If you’ve been following our Special Handling series, you know that we’ve covered prequalification and underwriting and the challenges the life insurance process can pose for different situations. We’ve also spent...

Tuesday, November 14, 2017

Success and money. These are two powerful driving forces in our society. Everyone wants to be successful, and I don’t think anyone would turn down an opportunity to be wealthy. But attaining those things is where the trouble...

Saturday, November 4, 2017

There are some things in life that seem so complicated that we often completely avoid them. In our Special Handling series, my goal is to make sure life insurance doesn’t fall into that category. I will answer some common...

Wednesday, October 11, 2017

If you do a quick search online for “secrets to success,” you’ll end up with a massive list of tips with everything from having vision to taking risks. But in my previous article on spiritual business practices, we...

Monday, October 2, 2017

If you have ever purchased a life insurance policy or even just researched the requirements to start the process, you probably had many questions along the way. Obtaining life insurance can be a difficult endeavor with numerous...

Tuesday, September 26, 2017

When you hear the word, “spiritual,” what comes to mind? The concept of spirituality has taken on a wide variety of meanings, ranging from new age and esoteric to traditional religion to Eastern philosophy. The common...

Monday, September 11, 2017

If you have a credit report (and most of us do), there’s a good chance that you were one of the estimated 143 million Americans affected by the recent Equifax Data Breach. If you have been affected, it’s important to be...

Wednesday, September 6, 2017

In Part One of our Special Handling series, we focused on the key roles prequalification and underwriting play in helping people buy the policy that best meets their needs. Now we turn our attention to additional eligibility...

Saturday, August 19, 2017

Life insurance is a product that almost all of us need. Regardless of whether we purchase policies for the benefit of our family, business, or favorite charity, life insurance can be difficult to acquire. Even those of us in perfect...

Tuesday, August 8, 2017

When someone close to us dies, it turns our world upside down. Whether it’s a friend, a coworker, or a neighborhood acquaintance, death often evokes upsetting emotions. These emotions can go to the extreme when it’s a...

Tuesday, July 18, 2017

Life insurance is not something to mess around with. It is an integral piece of your financial puzzle, without which the rest of your finances could be in danger. We recently discussed the reasons why your life insurance broker should...

Tuesday, July 11, 2017

Your not-for-profit organization is making a profound difference in the lives of those served. You are busy, your staff is busy, your staff is busy, and it’s time to put the pedal to the floor and launch a Major Gifts campaign....

Friday, June 9, 2017

Life insurance is the foundation of your financial portfolio. While you may think that’s an exaggeration, life insurance protects against the most catastrophic loss imaginable, the death of a provider. With so many life...

Tuesday, May 23, 2017

What would you do if somebody told you they wanted to die? After the initial shock, your response would greatly depend on the relationship you have with the person who asked the question. For example, if a family member broached this...

Friday, April 28, 2017

Did you know that only 3 in 5 people have purchased a life insurance policy? Of those who do have life insurance, nearly half have insufficient coverage. Why is that? In my experience selling this product for over 25 years, I have...

Friday, April 14, 2017

Most of us know and understand the value of life insurance for providing financially for our loved ones. Life insurance ensures that your family will be able to pay the mortgage, continue education, and maintain their standard of...

Tuesday, April 11, 2017

Do you know how to die? That’s probably not a question you get asked every day. Most people don’t want to think about it, and I can’t say I blame them. While those in dangerous occupations, such as police officers or...

Saturday, March 18, 2017

Getting old is a challenge. For many people, it is probably the ultimate test in life as they realize they are not invincible and that their mortality is a reality. As each day goes by, their strength, vitality, and overall physical...

Wednesday, March 8, 2017

Many successful businesses are family-owned and operated. You can find family-run enterprises in every industry: manufacturing, construction, real estate, insurance, law, financial services, hotel and restaurant management, and the...

Tuesday, February 28, 2017

Society’s perceptions of marijuana have undergone a drastic change since I was in junior high. Back then, it was normal for schools to assign Tuned Out as part of the curriculum and show “Reefer Madness” in class,...

Tuesday, February 7, 2017

Recent political events have caused people to react in sad, ugly, and hurtful ways. We hear of people cutting off their friends and family based on whom they support, and the internet is abounding with negativity. All of this behavior...

Thursday, February 2, 2017

If you are a business owner, you know that businesses need infusions of cash on a regular basis. Whether you are starting a business or growing an established company, you need capital to get going. Capital, in the form of cash, is...

Saturday, January 14, 2017

It’s a known fact that smoking carries many health effects, such as a higher risk of death, chronic disease, diabetes, and dental issues. But a side effect of smoking that isn’t as obvious is the increased cost of life...

Tuesday, January 10, 2017

As we enter a new year, we often take the time to reevaluate and look ahead with excitement and motivation. Aren’t you thankful that life is full of these second chances? That you always have an opportunity to try again, to grow...

Monday, January 2, 2017

Today I am 60 years old. The Biblical standard for a lifetime is 120 years, so I am at the midpoint. I truly hope the second half will be as exciting as the first. I grew up in the 1960s, and went to high school and college in the 70s....

Wednesday, December 21, 2016

While bigotry and prejudice still run rampant in many ways, America is a country that works tirelessly to fight discrimination. I can’t think of another nation in the world that takes a stronger stance against persecution based...

Tuesday, December 6, 2016

Many people believe that you have to be in perfect health and live a low-risk lifestyle to obtain life insurance, but that’s not always the case. Did you know that you can purchase a life insurance policy at a reasonable rate,...

Wednesday, November 2, 2016

As a business owner, you invest copious amounts of time, money, and energy into your employees. Don’t you want your investment to pay off? Employee turnover can be extremely costly to your business, and this is especially true...

Friday, October 28, 2016

Our parents are often the most important influencers in our lives. As such, our relationships with them can significantly impact the quality and even quantity of our years. I recently laid my mother to rest. She fought a long battle...

Thursday, October 20, 2016

What is one trait that successful business owners share? An attitude of gratitude! Business owners who have advanced in their field don’t forget those who helped them get to the top. They honor their parents, they give credit...

Tuesday, September 6, 2016

As any business owner knows, when it comes to running a company, everyone counts. You can’t bring in money without a salesforce. You can’t count the money without an accounting department. You can’t run the computers...

Friday, August 12, 2016

It’s a common practice for business owners to take on partners. While there are many reasons behind why you may want to take this step, there are also some crucial things to consider when entering into a business partnership....

Friday, August 12, 2016

Certified Divorce Financial Analyst™, Michelle Ash has a must-read article about financial issues after divorce in womensdivorce.com. Here’s an overview: The divorce is finally over, the decisions have been made, and now...

Friday, August 12, 2016

Certified Divorce Financial Analyst™, Michelle Ash has a must-read article about financial issues after divorce in womensdivorce.com. Here’s an overview: The divorce is finally over, the decisions have been made, and now...

Wednesday, July 27, 2016

Owning your own business has many perks and can bring plenty of freedom and success. You may have started a business because you like your independence or you wanted to get rich. You may like a challenge or simply want to build a...