INSURANCE PLANNING Archives

Variable Annuities: What You Should Know

July 2, 2014
David S. Chang

Variable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics – and be prepared to ask your insurance agent, broker, financial planner, or other financial professional lots of questions about whether a variable annuity is right for […]

July 2, 2014
David S. Chang

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series […]

December 28, 2012
David S. Chang

All Calculators Allowance Comparison Auto Loan Payment Back-to-School Budgeting Budgeting for a Baby Building an Education Fund Cost of Credit Emergency Fund Entertainment Planner How Much Car Can You Afford? How Much House Can You Afford? How Much Will College Cost? How Much Will My Loan Cost? How Will My Savings Grow? Inflation Impact […]

September 12, 2012
David S. Chang

One of the most overlooked types of insurance is renter’s insurance. If you are currently renting the place you live in, losing everything to fire, flood, burglary or even a lawsuit can be devastating. Renter’s insurance covers your possessions against these potential problems. Here are some reasons why you should get renter’s insurance and key […]

June 27, 2012
David S. Chang

Chances are if you are looking at planning for retirement, you have come across annuities as a potential investment product for retirement income. The proper annuity may enhance your investment portfolio, but it is important to make sure it is suitable for you. What is an annuity? An annuity is a contract between you and […]

April 18, 2012
David S. Chang

In the spirit of last month’s NCAA men’s and women’s basketball March Madness and Final Four, the National Endowment for Financial Education (NEFE) created its own “Final Four” of Finance. More than 300 financial advisers through the Financial Planning Association (FPA) submitted their rankings of 32 important financial planning topics. The NEFE and FPA identified […]

February 15, 2012
David S. Chang

Benjamin Franklin once said “Certainty? In this world nothing is certain but death and taxes.” Although one cannot control death, one can control how to protect loved ones through life insurance. The proper amount of life insurance will ensure that they will have enough money to pay down debts, replace the loss of income and […]