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"Moving Past the COVID & Election Chaos: Tips for Your Insurance, Finances, and Business.”

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Moving Past the COVID and Election Chaos - September 9, 2020

Today's Key Question: Are you fully aware of the key role insurance plays in a private equity portfolio? See the article below from Insurance...

Moving Past the COVID and Election Chaos - September 8, 2020

Today's Key Question: Did you know that life insurer John Hancock and Amazon have joined forces to promote wellness among their joint customers? See...

Moving Past the COVID and Election Chaos - September 7, 2020

Today's Key Question: Do you know someone with Psoriasis? They should know that it is possible to get extremely attractive rates for life insurance....

Moving Past the COVID and Election Chaos - September 6, 2020

Today's Key Question: Did you know that it is possible for people with Bipolar Disorder to purchase life insurance? See the article below from...

Moving Past the COVID and Election Chaos - September 5, 2020

Today's Key Question: Do you know someone with Celiac Disease? They should know that it is possible to get extremely attractive rates for life...

Moving Past the COVID and Election Chaos - September 4, 2020

Today's Key Question: Do you know how to use life insurance to reap tax benefits and defer attorney fees? See the article below from JD Supra. "How...

I didn't know it at the time, but I had a wise sage as a Little League coach. Mr. S. was a salesman, if I recall correctly (I was, after all, around eleven years old. :) He used to show up at practice in his dress shirt and tie. But...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - September 2, 2020

Today's Key Question: Did you know that when life insurance requirements do not require an exam to process your application, they still check you out on multiple databases? See the info below from...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - September 1, 2020

Today's Key Question: Have you kept up with the latest insurance regulatory changes in your state? See the article below from JD Supra. "The five best systems-building tools" From e-Myth: * To...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 31, 2020

Today's Key Question: Are you aware of the best tools for preventing creditors from grabbing your money? Life insurance is one of them. See the article below from Wealth Advisor. "Fed announces...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 30, 2020

Today's Key Question: Are you aware of all the ways estate taxes can erode your estate - and how life insurance can prevent this? See the article below from Prudential. "UBS Doubts There Will Ever...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 29, 2020

Today's Key Question: Do you know the best way to use a commercial loan to fund a life insurance policy? See the article below from JD Supra. "Smart Home Companies Get Surprising Lift From...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 28, 2020

Today's Key Question: Are you curious about how the current low interest rate environment is affecting the reserves of life insurance companies? There is good news so far. See the article below...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 27, 2020

Today's Key Question: Did you know that the life insurance industry takes extensive measures to regulate itself? See the article below from JD Supra about the latest move by the National...


In a prior post, we discussed a timeless lesson: to get through a hard time, you have to go through it. You have to fully experience it. Only then will it be “over,” so you can move on to the next moment in your life. This...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 26, 2020

Today's Key Question: Do you know why most estate plans fail? See the article below from Wealth Advisor, so yours doesn't. "Breaking into fashion was already hard. Amid Covid-19, is a design...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 25, 2020

Today's Key Question: Do you know what estate planning moves you should make before the upcoming election? See the article below from Kiplinger. "6 Ways to Capitalize on Family Time to Advance...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 24, 2020

Today's Key Question: Are you aware of all the leverage a life insurance trust can give you? See the article below from JD Supra. "A Tiny Silver Lining From The Pandemic: Small Businesses Are...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 23, 2020

Today's Key Question: Have you heard of Leveraged Split Dollar? It's a great life insurance funding tool, especially in a low interest rate environment. See the article below from JD Supra. "How...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 22, 2020

Today's Key Question: Do you know how to use a trust to protect your assets - including cash value life insurance? See the article below from Cape Gazette. "COVID-19 is crushing the architecture...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 21, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do you know why most estate plans fail? See the article below from Wealth Advisor, so yours doesn't. "Breaking into fashion was already hard. Amid Covid-19, is a design...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 20, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Did you know that top insurance firms are stressing personal service to clients more than ever before? See the interview below of Aviva Sapers by Jay Judas. "Private Equity...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 19, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Did you know that innovative solutions to the challenges faced by the life insurance industry are being developed all the time? See the article below from Broker World. "How...

Who’s In Your World?

Every person who buys life insurance makes a key decision: who is in my world? Who do I care about? Who is dependent on me? To whom do I want to leave a legacy? Deep thinking, yes. But that’s the nature of the product: it pays...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 18, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do you know someone with Marfan's Syndrome? The article below from Broker World could help them get life insurance. "Working parents are struggling right now. One company is...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 17, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do you know people with cardiac issues who have had trouble getting life insurance? The article below from Broker World could help them understand how underwriting could work...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 16, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Are you current with the various type of life insurance available to you? For a quick refresher, see the article below by industry expert Jay Judas. "How Expanding Your...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 15, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do you know someone with Hematuria? They should know that it is very possible to purchase life insurance. See the article below from Broker World. "8 ways to stay sane when...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 14, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Have you ever wondered what business veterans think of current trends in the marketplace? See the article below from Broker World for the assessment of a 96-year old life...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 13, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Would you like to hear how a seasoned medical professional, and expert on life insurance underwriting, views the changes in the industry? See the article below from Broker...

You Should Be Able to Trust the People With Whom You Do Business

My father was an old-time insurance salesman who did not hesitate to criticize the way the industry was evolving. As I build my own career in the business, I find many of his beefs to be spot-on. One in particular is relevant today:...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 12, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Did you know that July was a record-setting month for life insurance applications? See the article below from Insurance Forums. "DoorDash just opened 8 US convenience stores...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 11, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Have you heard of Late Start Split Dollar!? It is yet another version of the popular life insurance funding mechanism. See the article below from JD Supra. "Family Offices...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 10, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Did you know that even though the trend towards on-line services is growing, more and more people with money are demanding personalized service? See the article below from...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 9, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Have you ever wondered how life insurance companies adjust their mortality expectations when events like pandemics occur? See the article below from Think Advisor for a...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 8, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Have you been wondering about the impact of the pandemic on life insurance companies worldwide? There's good news from a major reinsurance company. See the article below from...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 7, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do you know about Switch Dollar Spilt Dollar? It has advantages in today's low interest environment. See the article below from JD Supra. "Homeschool pods are gaining...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 6, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Have you heard about "alternative capital" firms becoming interested in life insurance companies? See the article below from Think Advisor for details. "The State of...

Are you afraid of dying? It’s not a crazy question. As a matter of fact, I think fear of dying is very common. I would go as far as to say that discomfort with talking about death, is one of the main reasons people don’t...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 5, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Did you know that if an insurance company pays more life insurance benefits, it could save money in long term care insurance claims? See the article below from Think Advisor....

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 4, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do you or your business own bitcoin or any other cryptocurrency? If so, then your estate and business planning need to be modified. See the article below from Forbes. "The...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 3, 2020

Today's Key Question: Are you curious about how the pandemic is affecting insurance claims, including life insurance? See the article below from Think Advisor. 7 Tips for Being a Leader in Trying...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 2, 2020

Today's Key Question: Do you know how to insulate your estate from creditors using insurance? See the article below from JD Supra. "7 organizational tools every business owner needs" From Emyth: *...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - August 1, 2020

Today's Key Question: Are you concerned about how the current low-interest rate environment could affect your whole life insurance policy? The article below from Kiplinger has some answers for you...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 31, 2020

Today's Key Question: Are you now thinking more about preserving your assets? Don't forget life insurance can play a big role in accomplishing this. See the article below from Morning Star. "The...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 30, 2020

Today's Key Question: Have you been wondering about the health of the life insurance industry, given the pandemic and low interest rates? There is good news. See the article below from Think...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 29, 2020

Today's Key Question: Are you concerned about market volatility? Are you aware of how Fixed Index Universal Life Insurance can help you stabilize your holdings? See the article below from Broker...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 28, 2020

Today's Key Question: Have you ever wondered how life insurance company CEO's get compensated - and if the pandemic will affect that pay? See the article below from Think Advisor. "Work from home:...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 27, 2020

Today's Key Question: Did you know that the life insurance industry could end up paying $7billion in claims this year related to COVID-19? See the article below from Think Advisor. "What It's Like...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 26, 2020

Today's Key Question: How many ways do you know to protect your assets? See the article below from Menafn for seven good ones. And by the way: life insurance is a good one as well....

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 25, 2020

Today's Key Question: Have you ever wondered where life insurance companies invest their assets? The article below from Think Advisor has some interesting info for you. "Webinar: Overcoming...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 24, 2020

Today's Key Question: Have you thought about selling your life insurance policy that has outlived its usefulness? Even though some carriers do not like that, many courts apparently do. See the...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 23, 2020

Today's Key Question: Are you surprised to learn that more people are buying life insurance? See the report in Insurance News Net below. "Best practices in COVID-19 return-to-work planning" From...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 22, 2020

Today's Key Question: Are you confident in the ability of the beneficiary of your life insurance and estate to handle money properly? If you are not sure, read the article below from Wealth...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 21, 2020

Today's Key Question: The tragic death of actress Kelly Preston to breast cancer (see the article below) highlights the high financial toll this disease can take. Did you know that both the living...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 20, 2020

Today's Key Question: Are you surprised to learn that consumers under age 45 are buying more life insurance than other age groups?! See the article from Think Advisor below. "5 Reasons Why...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 19, 2020

Today's Key Question: The residents of which countries do you think spend the most money on life insurance? The answers may surprise you. See the article below from Think Advisor. "'A big...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 18, 2020

Today's Key Question: Did you know that the current low-interest rate environment has created a unique opportunity to benefit from the split-dollar use of life insurance? See the article below...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 17, 2020

Today's Key Question: Many charities have suffered a financial loss recently. Did you know that life insurance can be used to secure the long-term viability of the charities close to your heart?...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 16, 2020

Today's Key Question: New businesses are forming in response to the pandemic. Many of these are partnerships. Partnerships need partnership agreements - which must be funded. Lie insurance is an...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 15, 2020

Today's Key Question: Did you know that the IRS has announced plans to audit the tax returns of more high net worth individuals? See the article below from Globe Street. It's time to discuss how...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 14, 2020

Today's Key Question: Many business owners take out loans to keep afloat, especially during times of crisis. And many lenders require their clients to purchase life insurance to indemnify the loan...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 13, 2020

Today's Key Question: COVID has shown business owners that they could unfortunately lose key people due to serious illness. Do you know how to secure your business against such a loss? Read more...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 12, 2020

Today's Key Question: The article below from Wealth Advisor discusses a common problem with estate planning: friction among siblings. Some good tips are provided to minimize the damage. I would...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 11, 2020

Today's Key Question: Did you know that the life insurance industry has innovated a number of ways for you to buy a policy safely and affordably? Check the article below from Money. "How to build...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 10, 2020

Today's Key Question: Have you ever wondered why people buy life insurance? The short video below from Life Happens will tell you. "The Community Impact of Shopping Small” With the COVID-19...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 9, 2020

Today's Key Question: Have you been trying to compare stand-alone long-term care insurance policies, with hybrids that combine benefits for LTC with life insurance? The article below from...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 8, 2020

Today's Key Question: The article below from Insurance News Net reports that most employers have not at the present time cut back on sponsoring employee benefits, to save money. They are doing so...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 7, 2020

Today's Key Question: An article below from Wealth Advisor reports the results of a survey of CPAs who do financial planning with their clients. They indicate that most of their clients employ...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 6, 2020

Today's Key Question: The article below from Wealth Advisor talks about estate planning in the COVID era. In particular, it mentions the importance of making sure your life insurance beneficiary...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 5, 2020

Today's Key Question: The results of a recent industry study indicate that consumers would buy more life insurance if carriers helped them achieve health and wellness. See the article below from...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 4, 2020

Today's Key Question: The pandemic could get people a little trigger-happy with lawsuits, including the government. Are you concerned about protecting your assets against such a move? See the...

Happy Birthday, America!

Here are ten reasons for why I really appreciate you: 1. No one is above the law - including government officials. 2. Big government overreach is always challenged. 3. The spread of communism, and all other forms of tyranny, is...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 3, 2020

Today's Key Question: Did you know that it is now possible to get a life insurance policy in just a few days? The industry has made great advancements in Accelerated Underwriting (AU). See the...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 2, 2020

Today's Key Question: A recent article in an insurance industry trade publication, talks about the attraction of "Linked Benefit" products in today's volatile environment. See below from Broker...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - July 1, 2020

Today's Key Question: Did you know that every day, the insurance industry pays out in benefits an amount that is comparable to what Social Security pays? See the article below from Insurance News...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 30, 2020

Today's Key Question: Have you considered selling your obsolete life insurance policy to raise needed cash? Then check out the article below from Think Advisor for some examples of how this could...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 29, 2020

Today's Key Question: Many people - even wealthy people - feel that if they do estate planning (which could, of course, include the purchase of life insurance,) they will somehow jinx their life....

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 28, 2020

Today's Key Question: Are you the executor of an estate, or the beneficiary of a life insurance policy or annuity? A recent court decision has bearing on whose responsibility it is to inform the...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 27, 2020

Today's Key Question: A life insurance industry executive reports that consumers have become more interested in term and whole life insurance. This is due to concerns about market volatility. See...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 26, 2020

Today's Key Question: The massive government spending due to the pandemic, has people concerned the estate tax exemption will be reduced or eliminated. Are you concerned about that? If so, see the...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 25, 2020

Today's Key Question: The article below from Think Advisor talks about how more younger consumers want their life insurance policies to also cover critical illness and long term care. Have you...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 24, 2020

Today's Key Question: Major illness leads people to be concerned about protecting their insurability. They do not want a medical condition to make them ineligible for a life insurance policy. See...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 23, 2020

Today's Key Question: The article below from Business Insider talks about who should buy life insurance. It mentions people who have dependents. People usually think of young children as...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 22, 2020

Today's Key Question: The article below from Business Insider reports that many life insurance companies have tightened up eligibility requirements for new policies. Have you had trouble getting...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 21, 2020

Today's Key Question: Many people today are taking their mortality a bit more seriously, and have become more interested in buying life insurance - or adding to their current coverage. Have you...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 20, 2020

Today's Key Question: The article below from Tech Crunch talks about how financial planning is fast-becoming an employee benefit. Do you think a comprehensive planning process would you make it...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 19, 2020

Today's Key Question: Have you been designated an executor of an estate? If so, there are a few important items you need to know. Find out in the article from Wealth Advisor below. "The Skills and...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 18, 2020

Today's Key Question: Many people are now thinking more seriously about buying life insurance since the pandemic hit. Are you wondering if you should? See the article below from Nerd Wallet to...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 17, 2020

Today's Key Question: Due to pandemic restrictions, insurance companies have moved quickly to on-line applications and service. See the article in Insurance News Net below. Have you had experience...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 16, 2020

Today's Key Question: Are you looking for a safe way to purchase life insurance? A number of carriers can do that for you. See the article below from Think Advisor. Feel free to call me with...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 15, 2020

Today's Key Question: The Medical Information Bureau reports an increase in life insurance applications in May, especially among young consumers. See the article below from Think Advisor....

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 14, 2020

Today's Key Question: Are you concerned your heirs will pay a huge estate tax bill when you pass on portfolios that have increased in value? The article below from Yahoo Finance could give you...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 13, 2020

Today's Key Question: 7-11 stores in Japan are now selling cancer insurance from vending machines, to promote contactless sales (see the article below from Insurance Forums.) Would you feel...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 12, 2020

Today's Key Question: Have you unfortunately experienced the death of a loved one, and need help finding their life insurance policies? The article below from Nerd Wallet could help you. Feel free...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 11, 2020

Today's Key Question: The pandemic reminds us that serious viruses take their toll, and that unfortunately, we lose loved ones. Family members need to know how to file a claim for their insurance...

MOVING PAST THE COVID CHAOS: Tips for Your Insurance, Finances, and Business - June 10, 2020

Today's Key Question: Alfredo Ortiz, President and CEO of the Job Creators Network, argues that small business need liability protection from greedy trial lawyers looking to exploit the pandemic....

BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 9, 2020

Today's Key Question: The Labor Department reported last week that employers added 2.5 million jobs in May. See the article below from the Washington Examiner. Does that make you more confident...

BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 8, 2020

Today's Key Question: Are you sure you have enough life insurance? Many Americans feel they do not.See the article below from Insurance News Net. "83M Americans Say COVID-19 Has Them More Likely...

BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 7, 2020

Today's Key Question: Was your business unfortunately vandalized and looted during the violent protest this past week? The article below from Slate answers some of your questions about insurance....

BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 6, 2020

Today's Key Question: The article below from the National Law Review points out that Congress could very well eliminate the estate tax exemption to increase revenue, given all the money it has...

BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 5, 2020

Today's Key Question: A report form the recent S & P Global Insurance Conference features a discussion of government bailouts of large corporations. Apparently, "too big to fail" is back. See the...

BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 4, 2020

Today's Key Question: George Melloan of the American Institute for Economic Research has published an essay holding politicians responsible for engaging in "politics of fear" to expand government...

BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 3, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Now the World Health Organization says healthy people do not have to wear masks. (See the article below.) Does that change your thinking about the need to wear one?...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 2, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Recent court decisions have overturned COVID019 lockdowns in different states (see the article below.) The bottom line is that government officials are always bound by the...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - June 1, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Recent reports show that nearly half of all COVID-19 deaths have occurred in nursing homes (see the article below.) Does that make you more confident you can lead your life...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 31, 2020

News. Insights. Analysis. Inspiration. Today's Key Question: Do government officials have the right to criminalize legal actions in a health crisis? The report below from Reason says 'no'. What to you think? "Merrill Lynch Head...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 30, 2020

Today's Key Question: The Latest CDC report shows the expected mortality from COVID-19 to be many times lower than initially projected. Does that change your feelings about the necessity of the...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 29, 2020

Today's Key Question: An editorial from the Washington Examiner (see below) presents a very solid case that the way certain states are enforcing their lockdowns, is giving communities of faith the...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 28, 2020

Today's Key Question: Tucker Carlson has quoted a JP Morgan study that refutes the notion that the Lockdown has saved lives. Do you agree? See the article below. "Consumer confidence rises in May...


COVID-19 and the Scandal of Nursing Home “Care”

Over the last few years, I had the privilege of helping my father, mother, aunt, and uncle arrange for personal care in the final stage of their lives. We had to make decisions about what kind of care would be needed when, including...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 27, 2020

Today's Key Question: Research from the Washington Examiner (see article below) indicates that states that reopened earlier are not seeing higher rates of infection than those who open late. Does...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 26, 2020

Today's Key Question: Do you agree with the Job Creators Network that the opinion of Dr Fauci should not be the only medical opinion solicited in the national reopening policy? See the article...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 25, 2020

Today's Key Question: Should the CDC be downsized so it can be more focused on its true mission? See the article below. "Three weeks after opening, Georgia business owners chart their own course...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 24, 2020

Today's Key Question: In your opinion, did the medical bureaucracy delay the response of the government to the pandemic? If so, should the regulations that were suspended, be so permanently? See...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 23, 2020

Today's Key Question: Does your definition of the “new normal” include more or less government control over our lives? "How to Do Market Business Research for a Business Idea" From...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 22, 2020

Today's Key Question: Does it appear to you that the people making decisions regarding the pandemic are out of touch with the citizenry? "Small Business Loan Eligibility: Which Documents Do You...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 21, 2020

Today's Key Question: Would you give your state government good marks or bad marks on how they have responded to the pandemic? Why? "What You Need To Know To Start Working From Home" From Forbes:...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 20, 2020

“HOW IT WORKS: These 18 Garden State Plaza Stores Offering Curbside Pickup” From Daily Voice: *More than a dozen stores at Westfield's Garden State Plaza in Paramus will begin offering...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 19, 2020

“Magic Johnson’s Life Insurance Company Reportedly Funding $100 Million In Small Business Loans" From Forbes: * Former NBA all-star Magic Johnson told the Wall Street Journal that his...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 18, 2020

 “Reopening small restaurants could mean closing streets to use for outdoor seating” From USA Today: * How do you handle seating in small restaurant implementing social distancing...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 17, 2020

"5 Online Businesses you can start from your home today" From Business Magazine: * Modern times require modern solutions. It’s 2020, and by each passing day, more and more job positions are...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 16, 2020

"How to Nudge Your Customers to Settle Their Accounts" From American Express: * Businesses looking to maximize cash flow can explore accounts receivable by asking their customers to make good on...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 15, 2020

"Life Sales Look Great: ACLI President" From Think Advisor: * Susan Neely, the president of the American Council of Life Insurers (ACLI), talked about the effect of the pandemic on life insurance...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 14, 2020

 "Here’s How to Support Small Businesses During a Crisis" From Constant Contact: * When it comes to a time of crisis, how can you continue to support the small businesses and nonprofits in...


"Don’t Tread On Me"

My father hated Communism. Having lived through the emergence of the Soviet Union, Nazi Germany, and Imperialist Japan, you can see why. He carried with him a healthy dislike of people who tried to boss him around. Don't get me wrong:...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 13, 2020

#PJPants4Ever: Twitter Says Employees Can Work From Home Permanently" From Daily Voice: * Twitter is “uniquely positioned to…allow folks to work from home given our emphasis on...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 12, 2020

"Cash-value life insurance provides a safe harbor in today’s economic storm" From Michigan Lawyers Weekly: * It’s important to keep in mind a few key differences between insurance...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 11, 2020

"Goldman And Morgan Stanley: The Worst Is Behind Us" From Wealth Advisor: * Wall Street giants seem to be siding with optimistic views of President Trump. According to Jan Hatzius, chief economist...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 10, 2020

"Small Business Stories" From Job Creators Network: * The new Paycheck Protection Program, part of the CARES Act, has extended a lifeline to small businesses. Small business owners are sharing...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 9, 2020

"States reopening after Coronavirus shut us down. That means vastly different things depending on where you live" From USA Today: * Here's a look at the strategies some of those states are...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 8, 2020

"The U.S. economy may already have clawed back 5 million jobs of the 20-million-plus positions eliminated during the pandemic" From Market Watch: * “In other words, the decline versus the...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 7, 2020

"Long Beach Beer Lab Could Have Closed; Instead, They Became Essential" From Entepreneur.com * Thanks to a robust supply chain and some quick thinking, the duo has transformed literally overnight...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 6, 2020

 "Where's my stimulus payment? Here's a look at why some checks haven't arrived" From USA Today: * And while it appears that some money was sent out, some people still have yet to receive it...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 5, 2020

"Seize the day: Taking advantage of low interest rates now" From John Hancock * Interest rates are at historical lows, including the Applicable Federal Rates (AFR) used in many estate- and...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 4, 2020

"The Top 10 Ways Hackers Get Around Your Firewall And Anti-Virus To Rob You Blind" From Holzsager Technology: * Cybercrime is at an all-time high, and hackers are setting their sights on small and...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 3, 2020

"9 Things You Can Do Right Now to Make Sure Your Business Stays Afloat" From The Hartford: * Running a small business is challenging. But now, these challenges have multiplied thanks to the...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 2, 2020

"White House Unveils Plan to Reopen American Businesses" From Small Biz Trends: Here’s an overview of the plan: Phase 1 – Strict social distancing for everyone when out in public....


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - May 1, 2020

"White House Unveils Plan to Reopen American Businesses" From Small Biz Trends: Here’s an overview of the plan: Phase 1 – Strict social distancing for everyone when out in public....


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 30, 2020

"How Starbucks plans to reopen 90% of stores by June and what the new normal for its coffee shops will look like" From Business Insider: * Starbucks will begin opening stores next week, executives...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 29, 2020

"The U.S. stock market may enjoy the biggest rally ever when the pandemic is over" From Wealth Advisor: * President Donald Trump has said that, due to pent-up demand, the economy will eventually...


Beware the “Goody Two-Shoes”

My aunt - my father’s sister - was an “Old Battle Axe,” as they used to say. She lived past age 100 through sheer willpower. She had actually made a life goal of living a full century. With that in mind, she and I...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 28, 2020

“$30 Billion in Provider Relief Delivered Under the CARES Act (for providers)”...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 27, 2020

"IRI Unveils 5 Ideas for Curing COVID-19 Nest Egg Blight" From Think Advisor: * The Individual Retirement Institute (IRI) — a Washington-based annuity player group that supported passage of...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 26, 2020

"Goldman says downturn will be 4 times worse than housing crisis, then an ‘unprecedented’ recovery" From CNBC: * As industries are gradually brought back online, that should produce an...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 25, 2020

"How Small Businesses Can Use eCommerce to Boost Sales During COVID-19" From The Hartford: * Whether you’ve dabbled in eCommerce, have never taken an online order or consider yourself an...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 24, 2020

"3 Quick Things You Can Do to Conserve Cash Now" From The Hartford: * All of this impacts cash. I think this crisis will be short term and I’m hoping we’ll get through this in just a...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 23, 2020

"How telehealth will help us fight COVID-19" From Washington Examiner: * New innovations in digital health will not only make our communities and our world more resilient — they’ll...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 22, 2020

"Why Post-COVID-19 Operations at a Small Life Insurer Look OK: Idea File" From Think Advisor: * The idea is that typical small and midsize life insurers might be in pretty good shape because of...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 21, 2020

“MassMutual to Give $3 Billion in Life Insurance to Health Care Workers” From Think Advisor: * The new MassMutual HealthBridge program will provide up to $25,000 in free, three-year...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 20, 2020

"Could Free-Market Medicine Respond Better to Pandemics?" From TownHall: * The U.S. health care system is bureaucratic, costly, inconvenient and decidedly nonpatient-friendly. It doesn’t...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 19, 2020

"IRS Extends 60-Day IRA Rollovers to July 15" From Think Advisor: * As part of a larger relief package, the Internal Revenue Service extended late Thursday the 60-day rollover rule for individual...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 18, 2020

"COVID-19 SCAM ALERT: Here’s How Stimulus Scammers Try To Steal Your Money" From Daily Voice: * If you do get a call, text or email from someone asking for your Social Security, checking...


Who will remind the politicians that religious services are essential?  

Safe to say, the majority of mayors and governors in the US are not religious. They do not consider communal prayer, study, weddings, funerals, and other events, to be essential services. They do not appreciate the importance of coming...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 17, 2020

"What If COVID-19 Lowers Health Claims?" From Think Advisor: * If COVID-19 really does cut spending on ordinary claims about 40%, then health insurers could save about $31 billion, or 40% of $78.5...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 16, 2020

Bernanke rejects Great Depression comparisons as he says GDP could slump by 30%" From Wealth Advisor: * “This is like a natural disaster, and the response is more like an emergency relief...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 15, 2020

"No, it isn't hypocritical for small government conservatives to back coronavirus relief" From Washington Examiner: * This current crisis is not economic in nature — it is more akin to a...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 14, 2020

"Auto insurance companies return $800 million in premiums because no one is driving" From Wealth Advisor: * Two insurers -- Allstate and American Family Insurance -- announced Monday they will...


NO REASON TO BLAME GOD

The holiday season makes you think of God, and Goodness, and why life can be so crazy. Why there are pandemics in this world. Why evil people harm the innocents. Throughout my life, I have often sought counsel from people whose worlds...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 13, 2020

"Stimulus Checks Should Go Out This Week Or Next, Says Kudlow" From Wealth Advisor: * According to The Washington Post, which has reviewed a timetable from the IRS, stimulus checks first will be...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 11, 2020

"National Integrity Title Agency offers drive-thru closings, curbside service" From NJ Biz: * The full-service commercial and residential real estate title insurance and settlement company set up a drive-thru section within its...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 10, 2020

"Post-COVID-19 Economy: Less From Washington May Be More" From Forbes: * How did the federal government react? As recounted in James Grant’s definitive history of that contraction, The...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 9, 2020

"Grocery stores offer special hours for most vulnerable shoppers" From NJ Biz: * Some grocery stores are offering special hours for the elderly, the pregnant, and the vulnerable at the beginning...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 8, 2020

"Loans From Life Insurance: Your Own Private Bank" From Life Insurance Strategies Group: * In times of uncertainty, Americans turn their attention to their liquidity—what cash they have on-hand and what cash can they quickly...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 7, 2020

"How To Start Rebuilding The Post-Coronavirus Economy Now" From Forbes: * Here are three major issues that could garner bipartisan support to create and stabilize millions of jobs and put hundreds...


THERE IS NO NEED TO DRIVE ME CRAZY!

I grew up during the Viet Nam War. As a amateur of fact, I received my draft notice three months before they stopped the draft. I remember every day my mother would have the six-o’ clock news on the TV, as she made dinner. The...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 6, 2020

"How to Attract Business During COVID-19" From Advisor Websites: * COVID-19 has brought about unprecedented times and a lot of uncertainty, but one thing that remains is the need to attract new...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 5, 2020

"The 1918 Flu Pandemic Hit GDP Hard: Economists" From Think Advisor: * The big U.S. life insurers were all able to pay their 1918 death claims, and many were able to maintain their dividend...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 4, 2020

"Digital Estate Planning Platform Gentreo Launches "Essential Employee Discount" To Support Workers on Front Lines of Coronavirus Crisis" From Wealth Advisor : * Gentreo, a simple, secure and...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 3, 2020

"Man who called Dow 20,000 at end of 2015 says these are the 4 steps needed for a bona fide stock-market recovery" From Wealth Advisor: * Siegel says there are four things he will be watching to....READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 2, 2020

"The Private Sector's Heartening Response to COVID-19" From Reason: * Creativity and selflessness are on display everywhere. * "It's easy to feel depressed and scared these days. News about the...READ MORE


Blessings are Assets  

Much is being said about the sad toll the Corona virus is taking on the World War II Generation. Let me tell you about a man from that time whom I knew and loved. Like many of his peers, his prosperity and physical stamina were a...


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - APRIL 1, 2020

"5 practical Ways to Ace a Virtual Negotiation" From FastCompany: * Follow these five tips to make the most of your virtual business negotiation. “How to Get Your Estate Plan Done While...READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 31, 2020

“COVID Peak By May, UBS Says: Get Ready For Recovery” From Wealth Advisor: * (FX Street) Analysts at UBS examine how the interplay of health, monetary, and fiscal policy impact markets...READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 30, 2020

"Electronic Signatures and Electronic Delivery of Documents as a Social Distancing Business Continuity Strategy" From JD Supra: * U.S. electronic signature law (ESIGN1 and comparable state laws,...READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 29, 2020

"COVID-19: Is Your Life Insurance Policy Immune?" From Funds Society: * TOP 3 Frequently Asked Questions “How To Use The COVID-19 ‘Shelter In Place’ Orders As An Early Retirement...READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 28, 2020

“Preliminary Thoughts – The New World Order” From Advisor Perspectives: * The end of the capital markets as we have known them? "Insurers’ role during COVID-19 pandemic:...READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 27, 2020

Insights and analysis from industry experts and thought leaders. "Instacart to hire 12,000 shoppers in NJ" From NJ Biz: * The home delivery industry can boom! “Insurance Companies Are Essential: States” From Think Advisor:....READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 26, 2020

Insights and analysis from industry experts and thought leaders. “Trump And Pence Held Call With Wall Street Titans” From Forbes: * “CNBC reported that a general idea that emerged during the call was that the U.S....READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 25, 2020

Inspiration and information from industry experts and thought leaders. “Eight Estate Planning Strategies In A COVID-19 World” From Forbes * Most estate planning work can be done at home; * There are many options to sign a.... READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 24, 2020

Inspiration and information from industry experts and thought leaders. "Legend Jeremy Grantham Bullish On Coronavirus Recovery" From The Wealth Advisor: Grantham and Inker are bullish on the market recovery. "States Can't Shut Down.... READ MORE


BEATING COVID-19: TIPS FOR YOUR INSURANCE, FINANCES, AND BUSINESS - MARCH 23, 2020

Insights from industry experts on how the pandemic could affect your insurance and financial portfolio. From Think Advisor: 1. Consumer interest in life insurance is strong; 2. Companies have sufficient reserves to handle pandemics; 3.... READ MORE


“Here I am Today, With You”

I have the benefit of knowing my family history going back several generations. Let me tell you: we have been through a lot. Here are some of the major events that disrupted our lives: Pogroms in Russia The Tsarist Revolution The...