Understanding Term Insurance Plans and Features
This guide explains term insurance options, including yearly renewable, 5 10 15 and 20 year renewables, decreasing term linked to loans, and renewal or conversion provisions. It covers premiums, age limits, and the risk of outliving coverage, noting Gary C. Smith of MassMutual as an affiliated consultant.
MENTIONED IN THIS ARTICLE
New York
American Association of Retired Persons
Milestone ages reshape finance and taxes for seniors
Mary Beth Franklin explains how turning 50, 55, 59 42, 60, 62, 65, 70 affects discounts, tax breaks, retirement withdrawals and Social Security. The piece notes senior discounts at 50, capital gains exclusion at 55, early withdrawal rules, survivor benefits, reverse mortgages, Medicare eligibility, and required minimum withdrawals. The guide frames how ages drive planning for homeowners and savers.
MENTIONED IN THIS ARTICLE
Congress
Choosing the Right Central Air System Sizing Advice
Engineers caution against oversized units and urge accurate sizing using standard methods. Consumers should rely on manufacturers guidance and solar gain, insulation, window exposure, and occupancy in calculations, then gather three contractor estimates within about 6000 BTUs. Cost ranges for a 36000 BTU unit in an 1800 sq ft house are noted.
MENTIONED IN THIS ARTICLE
Ehwartz
T/S Associates
Whattan
Proctor
Costello
College alumni health insurance offers affordable short terms
College alumni groups market short term health policies via Time Insurance and other Blue Cross plans. Policies vary by age sex location and deductible. A 24 year old male in Arlington Heights with a $500 deductible may pay around 266 for 185 days. High deductible options reduce premiums and keep coverage available up to 365 days.
MENTIONED IN THIS ARTICLE
Time Insurance
Arlington Heights
Til
Bond Funds Try to Beat the S P 500 with Futures
Bond houses PIMCO and Smith Breeden propose Stocks Plus and Bounty Plus using S&P 500 futures funded by short term bonds. Managers claim potential to outperform the index three of four years, while noting higher short term gains taxed differently. Minimums range from $1,000 to $25,000 with expenses from 0.7 to 1.05 percent.
MENTIONED IN THIS ARTICLE
PIMCO
Smith Breeden
S&f
Treasury
Brent Harris
Pimco Funds
S&p
John Sprow
Smith Breeden Equity Plus
Also Mentioned on This Page
Gary C. Smith
CSO
MassMutual
Financial
Mary Beth Franklin
Third Age News Service
IRS
Dennis Costello
All Seasons Air Conditioning
West Babylon
L.L
Solvay Bank
Consum- Seneca Federal S&l
Home Equity
Costa Homestead
Key Bank
Oswego County
FGCA
Oswego City
Onbank
Bank of Chittenango
Albank Fleet Bank
So Homestead
FCA Bank of Chittenango
Marine Midland
Albank
Oneida Savings Bank
Fleet
Solvay Bank Bank of Chittenango
Citibank
Geddes Federal
Oneida Valley
Ciase Manhattan
Oswego County Fca
First National
First National Bank
Seneca Federal S&l
Oneida Savings
Geddes Federal S&l
Oneida Saving
Oneida
Associated Press Commodities
Dow Jones
Wilshire
Janet Bodnar
Kiplinger
S Magazine
Blue Cross
Blue Shield
Luis
By Steven T. Goldberg
Kiplinger’s Magazine
Post
Standard & Poor
Pimco Stocks Plus
Harris
Ab Madhewe White & Co