What is Life Insurance?

Written by Tim Gorman


Continued from page 1

How much debt will you leave behind to include credit card balances, car loans, student loans, personal loans etc.?

How much annual income will your death remove from your household?

How much willrepparttar funeral you desire cost?

Do you want to leave behind a charity fund in your name?

Do you have special family members you would like to leave a financial gift behind for?

How much will your spouse need to care for a family member with special needs?

How much do you want to leave behind for your children’s education expenses?

Once you calculate how much money you want to leave behind consider how much you currently have in terms of individual or group life insurance along with your other assets such as savings accounts, CDs, mutual funds, stocks, bonds, 401K, retirement plans or pension plans and subtract that amount to decide how much life insurance you currently need to purchase.

Timothy Gorman is a successful Webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers free money saving auto, home, health and life insurance quotes that you can research in your pajamas on his website.


Free Money Saving Tips – Part 1

Written by Tim Gorman


Continued from page 1
Tip Number 4 – When making your phone rate comparison as outlined in tip number 3 make a mental note to identify if you make very few toll or long distance calls. If so then avoid calling plans with monthly fees or minimums. Another option would be to disconnect your phone service altogether and use dial around services such as 10-10 numbers or prepaid phone cards for your calls. When shopping for dial around service, look for fees, call minimum, and per minute rates. Treat prepaid cards as cash and find out if there is an expiration date. Tip Number 5 – If you make a large amount of your phone calls away from your home make sure to shop around to findrepparttar best deal on cell phones and calling cards. Make sure to compare per minute rates and surcharges for cell phones, prepaid phone cards, and calling card plans to find how to saverepparttar 144670 most money. Cell phone plans offer so many options that failure to compare and findrepparttar 144671 best one that closely matches your calling patterns is like throwing money downrepparttar 144672 toilet. These 5 quick tips could easily save you several hundred dollars a year which you could put to better use in a savings program or to pay off higher interest loans and other bills.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website


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