I cannot leave a big house for my children and my grandchildren, so I bought a life insurance that they can use as down payment to buy their own house should the good Lord calls me. Life insurance is an asset with a value that is worth it. If I have health issues such thatContinue reading “Life insurance as an asset and health insurance tool”
Tag Archives: terminal
Opioid prescriptions dropped for the first time since the modern addiction crisis began,
Opioid prescriptions dropped for the first time since the modern addiction crisis began, federal government says The Centers for Disease Control and Prevention said prescriptions for highly addictive painkillers such as oxycodone dropped 13.1 percent between 2012 and 2015, offering a glimmer of progress in efforts to quell the worst drug epidemic in U.S. history.Continue reading “Opioid prescriptions dropped for the first time since the modern addiction crisis began,”
Retirement planning for doctors and health care pros
tax free retirement for doctors and health care professionals_ Here is an example of saving during a low tax environment and taking retirement income when tax rates are higher. As you can see, although you may accumulate more money through a pre-tax plan, if your tax bracket is high enough in retirement, your net incomeContinue reading “Retirement planning for doctors and health care pros”
What is full living benefits or accelerated benefits riders? How I help those with cancer,stroke or disability in their finances
Terminal and critical illness rider free (no added cost). Only one in few financial service companies who offers access to funds (not from the cash value) when cancer, stroke or disability occurs. Your conventional health insurance, missed the most important issue..YOU. When you are sick, the coverage is paid to the health institution and notContinue reading “What is full living benefits or accelerated benefits riders? How I help those with cancer,stroke or disability in their finances”
Long term care costs
What isn’t covered by Original Medicare: Deductibles Co-payments Long-term care outside of a nursing home, or care at home, unless it’s provided by a professional nurse or therapist Care for daily living such as walking, dressing, bathing, shopping, eating and taking medicine More than 100 days of Skilled Nursing Facility (SNF) care following a hospitalContinue reading “Long term care costs”
Cancer rate dropping in the USA
During 2000 through 2009, death rates among men decreased for 10 of the 17 most common cancers (lung, prostate, colon and rectum, leukemia, non-Hodgkin lymphoma, kidney, stomach, myeloma, oral cavity and pharynx, and larynx) and increased for melanoma of the skin and cancers of the pancreas and liver. During the same 10-year period, death ratesContinue reading “Cancer rate dropping in the USA”
Zero market risk, tax free, asset protection, living benefits
The book of Patrick Kelly, The Retirement Miracle, tells us that: 401k retirement plan is not a conservative way to save for retirement and not tax free either Index Universal Life Insurance (IUL) (never takes loses like the 401k did) with living benefits allowing you to receive 75-90% of the face value of your insuranceContinue reading “Zero market risk, tax free, asset protection, living benefits”
75 yr old male, asthma and diabetes, 20 meds a day
I was observing a 75 yr old male with asthma and diabetes in a care home and taking more than 20 medications a day. He has no appetite but when not taking any meds during the weekend, feels stronger and has appetite. He is bed-ridden and with no food in his stomach but ingesting moreContinue reading “75 yr old male, asthma and diabetes, 20 meds a day”