No one who comes of age and lands a job can escape the inevitable – that is an insurance sales agent who comes knocking. Looking back, I am ashamed to admit that many of my not-so-proud moments came from evading unplanned encounters with relatives and acquaintances who decided to try their hand at selling life insurance. What can I say? I was young, not savvy with small talk, have yet to learn to say no, and truthfully, my income could barely cover the bills. Now I’d like to think I know better and even go out of my way to set planned meetings with insurance specialists to protect my daughters’ financial future. If I knew then what I know now, I would have managed those “ambush” meetings better, and might have come away with sound investments too. NO MAGIC AGE Is there a right age to buy life insurance? According to Melvin Esteban, wealth management executive with Insular Life Assurance Co. Ltd., there is no magic age or line in the sand when one has to … [Read more...] about News Is there a right age to buy life insurance?
What life insurance do i need
The Boston-based insurer announced Thursday that it would immediately begin moving life insurance policies to a "behavior change platform that rewards customers for the everyday steps they take to live longer, healthier lives." Policyholders will be asked to sign up online for fitness and nutritional advice, or may get premium discounts for using devices such as Fitbit or Apple Watch to monitor daily activities. "For centuries, the insurance model has primarily provided financial protection for families after death, without enhancing the very quality it hinges on: life," said Marianne Harrison, John Hancock president and chief executive. "We fundamentally believe life insurers should care about how long and well their customers live. With this decision, we are proud to become the only US life insurance company to fully embrace behavioral-based wellness and leave the old way of doing business behind." One of the largest US life insurers, John Hancock said the new offering is aimed … [Read more...] about Big life insurer shifts to activity tracking in health push
Vocabulary: accelerate : to happen or make something happen at a faster rate - เร่ง, เร่งความเร็ว, เพิ่มความเร็ว accounted for : all the things or people who should be there are now there - accumulate : to get more and more of something over a period of time - เก็บสะสม, สะสม, สั่งสมมานาน activity (noun): a thing that you do for work, interest or pleasure, or in order to achieve a particular aim - กิจกรรม actually : used for stressing what is really true or what really happened - ตามความเป็นจริง advertising : telling the public about a product or a … [Read more...] about What’s new in business news: January 3, 2014
caption Author not pictured. source Flickr/Colin Bowern When it comes to children, the only certain things about them is that they’ll cry, they’ll poop and repeat. Handling that is the easy part. Everything else is a minefield waiting to be stepped on. It doesn’t matter how many books you read, videos you watch, classes you take or parents you talk to, raising your own child and the affects it will have on you will only become known once you’re in the trenches. While it may sometimes sound like war, having a kid is truly incredible. There are a few things, however, I wish I knew before my son arrived. You’re on your own source Shutterstock The baby’s born. Family comes to visit you at the hospital, friends send you text messages and your social media blows up with good wishes from the kid you sat next to in third grade. Then after 48 hours, at which point your insurance company strong-arms the hospital to … [Read more...] about 15 things I wish I knew before becoming a dad
TurboTax is one of the most popular services for filing your tax return online. I decided to file my own taxes this year for the first time, and it was easier than I thought it would be. TurboTax’s tax-refund estimate in the top-left corner kept me motivated when the process got a bit tedious. I have a confession: I’m in my late 20s, and I had never done the work of filing my own taxes until this February. For years I was fortunate enough to rely on my parents who so kindly offered to do that, and from 2014 to 2016 I paid a trusty client-service representative at H&R Block. Last year, my parents offered the favor again, and like any sensible person, I didn’t refuse. This year, however, I felt it was finally time to become a fully realized adult and do my own taxes. I was tired of shelling out money to an H&R Block employee who, though friendly and knowledgeable, seemed to be inputting data I was … [Read more...] about I filed my own taxes for the first time ever using TurboTax — and got the biggest refund I’ve ever received