http://www.isnare.com/?s=author&a=Robert+D.+Cavanaugh%2C+CLU Finances Robert D. Cavanaugh, CLU Sat, 19 Apr 2008 00:00:00 -0700 http://www.isnare.com/?aid=156610&ca=Finances Most people do not know they can sell an insurance policy. There are companies that will pay you more than the cash value. Even term insurance, which has no cash value, is a candidate for purchase. This transaction is called a life settlement. Life settlements have been on the scene since 1995; they... Finances Robert D. Cavanaugh, CLU Sat, 19 Apr 2008 00:00:00 -0700 http://www.isnare.com/?aid=158652&ca=Finances Whole life insurance has been around for over 150 years. Universal life was introduced in the early 1980's. Universal Life offered the ability to increase or decrease the premium and death benefit and credited the cash values each year with a current interest rate. Variable life followed, which allo... Finances Robert D. Cavanaugh, CLU Fri, 18 Apr 2008 00:00:00 -0700 http://www.isnare.com/?aid=152880&ca=Finances In the next few minutes, you are going to learn the steps to implement a fund raising idea that can raise significant cash within a very short time frame. As opposed to simply asking donors to dig deeper into their pockets, this fund raising idea provides tax and increased income benefits to the don... Finances Robert D. Cavanaugh, CLU Wed, 16 Apr 2008 00:00:00 -0700 http://www.isnare.com/?aid=150441&ca=Finances Millions of people are insured by group long term disability plans. However, there are drawbacks to this coverage and situations where the policies will not pay. Unfortunately, many group plans do not pay for the type of disability that is most likely to occur. Theoretically, you are covered. But ar... Finances Robert D. Cavanaugh, CLU Wed, 05 Mar 2008 00:00:00 -0800 http://www.isnare.com/?aid=126788&ca=Finances Roth 401(k) plans were legislated into existence by the Economic Growth and Tax Relief Reconciliation Act of 2001. However, they were not set to begin until 1/1/2006 and were given a life span which lasted only through 2010. The Pension Protection Act of 2006 permanently extended the use of Roth 401... Finances Robert D. Cavanaugh, CLU Wed, 05 Mar 2008 00:00:00 -0800 http://www.isnare.com/?aid=126813&ca=Finances An additional income tax deduction may be available by contributing to an IRA. However, many people may not realize they qualify to have an IRA. So let’s take a look at the contribution rules. One of the things that makes IRAs so complicated is trying to understand the eligibility, maximum contribut... Finances Robert D. Cavanaugh, CLU Wed, 05 Mar 2008 00:00:00 -0800 http://www.isnare.com/?aid=127478&ca=Finances Rollovers can be a confusing subject. This is because rollovers can come from qualified plans, tax sheltered annuities, eligible Section 457 government plans and the five types of IRAs. Here, I will focus on rollovers that come from qualified plans such as 401(k), pension and profit sharing plans. T... Finances Robert D. Cavanaugh, CLU Wed, 05 Mar 2008 00:00:00 -0800 http://www.isnare.com/?aid=146717&ca=Finances Deferred annuities possess characteristics found nowhere else. They play an important part in seniors' portfolios. Seniors hold billions of dollars in deferred annuities. However, my experience is that the average person knows little about the unique advantages of deferred annuities, much less the o... Finances Robert D. Cavanaugh, CLU Tue, 04 Mar 2008 00:00:00 -0800 http://www.isnare.com/?aid=122948&ca=Finances There are several ways to squeeze more income out of a given amount of capital invested in a CD. Let me share with you the split annuity concept. Here is an example typical of many people. Mary is 75. She is a conservative investor. She has to be because she has a limited amount of capital. On the o... Finances Robert D. Cavanaugh, CLU Tue, 04 Mar 2008 00:00:00 -0800 http://www.isnare.com/?aid=141150&ca=Finances Survivorship life insurance is a life insurance policy that insures two people and pays at the second death. Also referred to as second-to-die life insurance, common abbreviations are SWL for survivor whole life and SUL for survivor universal life. Advantages Since the insurance company does not hav...