Life And Health Choices

Get Your Money Back If You Never Use it. Mike is a 35 year-old who just bought his second home. He's married, has a great wife and 3 children, ages 9 , 7, and 2. That new home is going to provide them much satisfaction and great memories in the future. Right now, Mike sees it as a 30-year, $300,000 responsibility he wants to protect as well as the wife and kids. The group insurance Mike has through his employer is not enough to cover his entire mortgage and he's looking for additional insurance on his own. He's heard about Return of Premium insurance and is considering this option. Mike is building his 401k at work and is following other retirement strategies. Does this Return of Premium work into his retirement picture? Insurance companies began offering return-of- premium   riders  on their term policies in the early 1990s as a solution to the "live-and-lose" dilemma presented by traditional term policies. As the name implies, this rider will allow a  p...

I'd Walk A Mile For A..... Do you remember that tag line from an ad campaign from long ago? It was for an unhealthy product that I'm not going into. This is about walking a mile for something much more important. I live close to a walking/jogging/bicycling trail  and  spend  some time there almost everyday. It has become part of my daily routine, a must do that is included in each day's ritual. To tell the truth, I feel odd on a day that I don't walk. What are the benefits? Some are obvious and some you may not have thought of. Physical Benefits of Walking: “Walking improves fitness,  cardiac health , alleviates depression and fatigue, improves mood, creates less stress  on joints and reduces pain, can prevent  weight gain , reduce risk for cancer and chronic disease, improve endurance, circulation, and  posture , and the list goes on…” When comparing the results of the most recent National Runners’ Health Study with the National Walkers’ H...