By G. Victor Hallman, Jerry Rosenbloom
With greater than 135,000 copies offered in past variants, own monetary making plans has turn into one among modern-day most sensible solution books for those that need to know what to do with their cash, and why. This streamlined 7th version offers in-depth insurance and research of the most recent tax legislation adjustments. moreover, it beneficial properties a wholly new bankruptcy on making plans and deciding to buy schooling charges, together with the hot 529 plans; ramifications of the GST property tax repeal; new checklists and inquiries to tie up each one bankruptcy; and extra.
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Extra resources for Personal Financial Planning
Example text
All that really can be offered are some general observations that may prove helpful to buyers of insurance. Personal Insurance Principles and Selecting Insurers ■ ■ ■ ■ ■ ■ 33 It is very helpful for the insurer to have ratings from at least two of the independent rating services and that the ratings be consistent, stable, and on the high side of the hierarchy. What would be the minimum acceptable ratings? That is very difficult to say, but an example might be that an insurer should be at least within the top four grades of at least two rating services, unless there is an adequate explanation of why it is not.
Perhaps the measure of financial soundness or claims-paying ability of insurance companies that is most widely used and readily available to consumers is the financial ratings given to many insurance companies, particularly the larger ones, by independent insurance rating services. Three of the most widely followed services are A. M. Best, Moody’s, and Standard & Poor’s. Two other frequently mentioned services are Fitch and Weiss Research. Each of these services differs at least to some degree from the others and their rating grades and standards are not uniform.
Mutual fund representatives and persons offering tax-sheltered and other investments can provide advice on how they can be used in financial planning. Life insurance agents and brokers can offer valuable advice concerning life insurance, annuities, health insurance, and pensions, as well as other financial products and services. Similarly, property and liability insurance agents and brokers provide advice on personal risk management, property and liability insurance, and other financial products and services.