Since we receive no compensation for any insurance products you may purchase, we can give you objective advice on life, disability, medical and long term care insurance products. We can calculate your real need, give you some preliminary recommendations and connect you with independent specialists who will represent your best interests.

List of Related Articles    Sort by    Latest  |   Earliest  |   Most Viewed  |   Most Popular

1. Life Insurance: Determining Your Need (2008-03-17)
   You may have heard that "Life insurance is a gift of love." But if you bought a $100,000 whole-life policy because you wanted to build some cash value when you should have bought a million dollars of low-cost term insurance to meet the survival needs of your family, your well-intentioned effort was not an act of love.
   
   
2. The Business of Being an Artist - Part 1 (2007-08-13)
   The image of the starving artist has prevailed too long. Here are the financial essentials that artists avoid at their peril.
   
   
3. Long-term care insurance is too risky and too expensive (2004-02-23)
   Usually it is not having insurance that is considered risky, but there are safer ways of protecting you and your family than insurance.
   
   
4. The Business of Being an Artist - Part 2 (2007-08-20)
   For those working in the arts, financial planning is artistic freedom. You can be an artist and also eat well if you don't avoid the subject of financial planning all together. After you have your cash flow and career planning in place, you also need to address your insurance and legal concerns.
   
   
5. Medicare Part D deserves an F (2005-11-14)
   Medicare’s prescription drug program debuts January 1, 2006, marking the largest government entitlement program since Johnson’s Great Society. Known as 'Medicare Part D,' the plan subsidizes prescription coverage for millionaire and destitute seniors alike. But, the pork spending and boondoggle regulations aren’t even half the problem. Part D may bring some prescription benefits to low-income seniors in the short-term, but the unintended consequences are guaranteed to make us all sick in the long run.
   
   
6. Seniors Face Six Month Deadline for Drug Coverage (2005-11-07)
   Medicare launches its prescription drug program on January 1, 2006. The plan offers subsidies to seniors who sign up for Medicare’s prescription drug insurance. Although enrollment begins November 15th, many seniors are still confused about the program.
   
   
7. Immediate Fixed Annuities Part 3 – Additional Questions (2004-07-19)
   Living below your means is the best financial security. With 30 or more years to live, retirees should invest for growth and diversify for stability.
   
   
8. Health Savings Accounts (2006-06-19)
   Employers and employees alike are feeling the squeeze of swelling health care costs. According to the Kaiser Family Foundation, health insurance premiums have risen at an average rate of 12 percent per year since 2000. Unable to keep up with rising premiums, employers are forced to pass on costs to employees, to trim benefits, or worse, yet, to dump the coverage all together.
   
   
9. Immediate Fixed Annuities Part 1 -Immediate Fixed Annuities Aren’t Are “Fixed” (2004-07-05)
   The returns offered by immediate fixed annuities aren’t as good as they sound. The slight of hand in this case is the immediate loss of 100% of your principal. They are “fixed” for you to lose and the insurance company to win.
   
   
10. Immediate Fixed Annuities Part 2 - Immediate Fixed Annuities - The Hidden Risks (2004-07-12)
    Because you can’t change your mind, and you can’t spend your money ahead of time, the best use of an immediate fixed annuity is to protect you from yourself. Call me wild and crazy, but this is not the risk I am worried about.
    
    
11. The High Cost of Medical Benefits (2004-03-15)
    There are many ways to address the problem, but all of the solutions that will work involve negative feedback, and the best solutions unify payment, empowerment and benefit in the same individual.
    
    
12. The Five Most Important Documents to Have (2002-09-06)
    Communicating honestly about your finances with your family and putting your estate in order passes on a legacy of foresight and financial wisdom that will help generations to come.
    
    

You can visit http://emarotta.com/mailman/listinfo/moneyadvice to sign-up for our weekly email newsletter, "Marotta On Money". This subscription is a valuable educational tool, and it is absolutely free! Each week we send out timely reminders of the annual actions recommended to monitor your finances for long term investing. You may unsubscribe at any time, so don't hesitate to try your free subscription today!