The economics of life insurance relate to human life value, which in turn pertains to human capital. Human capital is a person’s income potential over their lifetime as well as additional factors such as fringe benefits, monthly expenses, and savings growth rate. The human life value concept is the primary reason for insurance and the [...]
There’s no question that for many people, money is tight these days. And when you’re low on options for increasing your income, your thoughts may turn to that life insurance policy that you’ve been paying on for so many years. You could sell it in what’s called a “life settlement,” but is that the right [...]
A down market can mean tough times and the loss of value of investments, but it can also present unique opportunities to minimize property transfer (gift and estate) taxes. While owning assets that are losing value might seem like a bad thing, it may actually be a great time to reduce your taxable estate by [...]
Estate planning allows you or anyone to implement certain tools now to ensure that your concerns and goals are fulfilled after you die. Your objective may be to simply make sure that your loved ones are provided for. Or you may have more complex goals, such as avoiding probate or reducing those dreaded estate taxes.
Estate [...]
The Wall Street journal published an estate tax article on the top fold of the paper two days ago highlighting President-Elect Obama’s intent to retain the tax. Both chambers of Congress have debated the merits of seemingly inevitable stimulus legislation. Obama has met resistance from members of his own party regarding his intent to include [...]
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