Page 7 - Talk of Tequesta - August '23

The Talk Of Tequesta, Page 7

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What Does It Cost Not To Have Life Insurance?

By Sally Sima Stahl
It’s probably not on your people from getting the protection they need. More insurance when it’s needed — and these costs are
calendar, but September is than half of uninsured Americans say they have put off personal.
Life Insurance Awareness purchasing coverage because they don’t know what to To be specific, what is it worth …
Month. And that means it’s buy or how much they need, according to Life Happens … to know your family could stay in your home if
a good time to become more and LIMRA, two nonprofit organizations that provide something happened to you?
aware of the benefits of research and education about life insurance. … to know your children could continue their education
having life insurance – and Yet, while this confusion may be understandable, a plans?
the dangers of not having it. delay in acquiring appropriate insurance can be costly … to know your debts could be paid without burdening
Unfortunately, confusion in more ways than one. From a strict dollars-and-cents your family?
about some of the basic perspective, it’s generally much more affordable to Clearly, if you were to assign these benefits a “price tag,”
elements of owning life buy life insurance when you’re younger. But there are it would be pretty high.
insurance may be keeping potentially much greater costs involved in not having And that’s the value of owning sufficient life insurance.
So, let’s return to the issue of people putting off buying
insurance because they don’t know how much they need, or
The Singles Scene Column © what type they should have:
• How much is enough? You might hear that you need
life insurance equal to about seven to 10 times your pretax
By: Kelly Leary, M.S., to feel important and interesting. If you can make your annual salary. That’s not a bad “ballpark” figure, but not
CEO & Head Matchmaker date feel these things, chances are he/she will be more everyone is playing in the same ballpark. To get a true
attracted to you. It’s human nature. How can you not like sense of how much of a death benefit you require from your
Back to school means someone interested in what you have to say? life insurance, you’ll need to consider a variety of factors,
back to the the dating possibly including your current income, spouse’s income,
pool! Half of our clients • 8. Let Your Date Know You’re Having a Good the size of your mortgage (in addition to other liabilities),
are single parents of Time! If you’re having a good time, let it show. Smile. number of children, educational expenses and final expenses
school-age children or Laugh. A well-placed, “I’m having a great time” is good. for funeral arrangements.
college-age children, so We all want to be with people that we can make happy. Let • What type? You can essentially choose between two
typically August is all him/her know, and thank them for it too. This eliminates basic types of life insurance: term and permanent. As its name
about our kids, right? So guessing games! suggests, term insurance is designed to provide coverage for a
NOW is the time to get designated period, such as 10 or 20 years. Generally speaking,
back to you as they go back to school. As the “School • 9. Be Passionate. When your date asks you about term insurance is quite affordable for most people, especially
Principle” of Matchmaking, I have provided you with my yourself be passionate about the information you choose when they buy policies as young adults. On the other hand,
“Proprietary Dating Success Guide” to help you become to share. Be decisive in your answers and don’t wallow permanent insurance, such as whole life or universal life, is
the star dater we know you can be. Confidence in what you back and forth. However, avoid talking too much about usually considerably more expensive than term insurance.
have learned from us will be the key to your success, but yourself, and don’t bring up past relationships...for as This is because permanent insurance premiums, in addition
note, what you receive from this homework assignment long as humanly possible. to providing a death benefit, help build cash value, which you
will be in direct correlation with the work you put into can typically access through loans or withdrawals, giving you
it (just like the advice we give to our children). Not a 10. Keep It Light and Be Positive. Please eliminate additional flexibility should your financial needs change over
single one of our matchmakers wants to see our students ALL talk of medical conditions, politics, religious ideas, time. In choosing between term and permanent insurance,
(clients) fail. Straight A’s are a green flag for your future and past relationships. Talk about your travels, hobbies, you’ll want to evaluate several issues, such as how long you
dating success, so let’s make your report card a picture favorite books, or ANYTHING ELSE THAT IS LIGHT think you’ll need coverage and how much you can afford to
on your fridge of you and your special someone. AND FUN. Don’t be so serious; very few people want pay in premiums.
to sit through a detailed explanation of your difficulties. Finding out about the benefits, costs and types of life
School Is In Session: 11. Conduct Yourself With Dignity. When you insurance can help you make informed choices to help
protect your family for years to come – so don’t delay
Lesson 1. Study Our Proprietary Dating find yourself attracted to a person, sometimes you can get learning what you need to know.
Success Guide carried away. If you want to talk for six hours, go for it This article was written by Edward Jones for use by
if the other person is amenable and on your wavelength. your local Edward Jones Financial Advisor, Edward Jones,
☎ 1. Make that Date Right Away! Once made, be on If you want to share another bottle of wine do it... but Member SIPC.
time, and don’t cancel or reschedule. This is not a good otherwise...be aware that a first date is “a thing”. This is Edward Jones is a licensed insurance producer in
way to start a first date. You just met, and you don’t want a time to be the best version of you. Don’t screw it up. all states and Washington, D.C., through Edward D.
to start your date with an apology. Bring your A-Game. Jones & Co., L.P., and in California, New Mexico and
Massachusetts through Edward Jones Insurance Agency
2. Your Appearance is Important. Dress to 12. Watch What You Say in Cyberspace. You’d of California, L.L.C.; Edward Jones Insurance Agency of
impress -- for your first date especially -- it’s far better to be surprised how transparent social media is. So if New Mexico, L.L.C.; and Edward Jones Insurance Agency
be overdressed rather than underdressed. Remember we you decided to document your date on Facebook, it of Massachusetts, L.L.C.
are putting our best foot forward here. Moreover, make can be pretty easy for your date to find that post. Most Edward Jones, its employees and financial advisors
sure your inner glow shines too! importantly, this person may not want to be with someone cannot provide tax advice. You should consult your
who posts every thought on social media. Privacy is hot. qualified tax advisor regarding your situation.
3. Practice Kindness. The biggest turnoff is a Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
person who walks into a date, room, or party – with a XOXO, Your Kelly-Girl 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
negative attitude. It is imperative that we all practice
kindness in life, love, work, and play – single or not. #GetDatingAgain #LoveLocal #LoveOffline #LoveIRL Best Bin Caddy#
Speak positive words. #SummerLoveCanStillHappen #MagicMatchmakers
#TellYourFriends #BeatTheFallRush
• 4. Play It Cool. Don’t go overboard on the NEW!
compliments, it’s hard to be attracted to a person who is Kelly Leary has 32 years in the dating industry and a
©
practically drooling over you. Perhaps that seems strange, Master’s Degree in Psychology. She has been profiled
and in a way it is flattering, but it makes you come across by Modern Luxury Magazine this month as a Dynamic
as too pushy. Business Woman. Look for it on the shelves. She has
also been written about in The Palm Beach Post,
• 5. While on the Date: No Texting. No exceptions. PalmBeacher Magazine, Stuart News, and many
Leave your phone in the car if you can. more. Revolution Dating members are pre-screened On sale
in person including background checks. Professional $ 95
6. Be Real. Put your best foot forward. A first date is photos are taken by the staff. Revolution Dating is NOT 79
about being pure and authentic. No “over-the-top” jewelry online dating or blind dating. In addition to providing Tax Inc.
or makeup. No dirty jokes. Mind your manners and be matchmaking services that make singles “UN-single”
nice to the wait staff! Be polite to those around you and through their exclusive club memberships, Kelly and Recycling Bin Caddy
speak highly of life whenever possible...especially on a her team also provide feedback from your dates when
first date. Don’t take over the conversation. There will appropriate. Mock Dates are available by request. Single Made in the USA
be time to share your story but wait for now. Coaching Sessions and Evaluations are also available Using Heavy Duty PVC and All Terrain Wheels.
by request for non-members or as an add-on to some Easy To Use Design. Arrives Fully Assembled With
7. Ask Questions on Your Date. Listen too! What’s memberships. *All inquiries are confidential. Free Local Delivery. (Bins not included.)
your date’s favorite topic of conversation? We all love
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