Don Kramer

Life Insurance Articles

Term Insurance vs Permanent Insurance

Wondering what the differences are between Term and Permanent Life Insurance? Want to know the advantages and disadvantages of each or who should buy which kind?

Beware of Conventional Wisdom
"Your situation isn't everyone else’s. Do you know how much life insurance you need? When you die, life insurance provides for your family. It provides money to cover . . ."

Is Your Child at Risk?
"Managing money isn't easy. According to financial experts, many kids grow up without the know-how to balance their checkbooks, manage credit cards or invest . . ."

Retirement Related Articles

Do any of your heirs have Affluenza?
"Do any of your heirs have a dysfunctional relationship with money and material things? Do you have a son, daughter-in-law, daughter or son-in-law that is a chronic . . ."

Will Social Security provide what you need?
"Will you have the money you need when you need it? Will Social Security be there when you retire? Who knows for sure? Most people have fears about . . ."

Long-Term Care Articles

What are your plans when your health changes?
"What do I mean? You know that as people age their health declines. So as you age, what are your plans when your health changes? What happens if your health . . ."

What is this Long-Term Care all about?
"Now, more than ever, the issue of long-term care is a critically important component of sound planning. Failing to effectively plan for this significant looming expense . . ."

How Can You Help Yourself avoid a Nursing Home?
"If you want to stay in your own home for your long-term care, you can do it by setting up a support system. Once you decide what you want, take charge . . ."

What can you Expect from your Family When you need Long-Term Care?
"Every person—even those of limited means—deserves to live out their lives in dignity. You may take for granted that you will remain vigorous . . ."

What can you Expect from The Government When you need Long-Term Care?
"Our health system is arranged to pay for acute care—and by that I mean the kind of illness or injury in which you get sick, spend a few days in the . . ."

Who will pay for Your Long-Term Care?
"Of people over age 65, almost half will spend some time requiring long-term care according to a 2004 Long-Term Care Study at . . ."

2005 - 08 © Don Kramer. All rights reserved