Unless you have been living under a rock the past month, you have probably heard more than you needed to hear about Black Friday! Black Friday used to be the initial day of discounted holiday shopping the day after Thanksgiving. Now, the lines are blurred as the big retailers; Walmart, Best Buy, Target, and Amazon have been offering discounts for…read more →
Life insurance is the most flexible financial tool known to humankind! Policyholders own life insurance for various reasons. Some range from replacement of income to covering a mortgage to two partners insuring their business to paying off estate taxes. Often, the most important reason to own life insurance is the tax-free transfer of a large sum of money to beneficiaries…read more →
As per statista.com for 10 years leading up to 2019, food and drink sales in the U.S. restaurant industry steadily increased and reached over $773 billion in 2019! America prides itself on being a melting pot of all cultures. This has led to an incredible variety of cuisines, some of which have origins that are no longer clear. We may…read more →
It was the beginning of the pandemic and I decided to start writing bi-weekly briefings for clients, advisors, and influencers. Someone forwarded the briefings to Wave Editor Mark Healey and thankfully, he gave me the opportunity to write this column, which started on 5/1/2020. There are what I call ancillary (insurance term) benefits to writing the column. One is, I…read more →
I teach health insurance to clients, which is much different than selling products! Once my new client understands how the insurance company makes money, it’s amazing to see what I call “the Visine effect!” This occurs when the eye-glazing lifts and it “gets the red out,” so to speak, meaning they get it! Are you either unhappy with your agent…read more →
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