SORRY Duke you will die today, but everyone wants puppies -- and nobody wants you

Oftentimes, people find themselves facing multiple financial issues that need to be solved with limited money resources. You may ask: How can I save for retirement and still be able to protect my family with life insurance and myself for long-term care needs? Perhaps, we should take a look at an alternative solution.

Consider utilizing a product that would offer the following:

Accumulating cash reserves similar to a Roth IRA; the contribution is not tax-deductible, but grows tax deferred and returned, if designed effectively, as tax-free income.
Offering the availability to access cash for long-term care needs with a similar definition to traditional LTC insurance.
Providing a supplemental income for some period of years or life at retirement.
And, oh by the way, offering a sizeable tax-free benefit to your family along the way... just in case you don't make it.
Can this really be arranged? Yes, it can, but most folks would sneer at me and say that the product is non-competitive in the financial market place. I beg to differ with that assessment. Not only is it competitive, but it is a safe money product. Let me illustrate just briefly.
A male age 40, in good health, could stash an IRA level premium ($5,000 per year) between now and retirement at age 67, and he may give himself a tax-free supplemental retirement income of over $20,000 per year for 20 years; have access to cash for long-term care dollars; and, give his family a sizeable benefit should he die along the way to retirement.

Key issues in any financial planning are flexibility and solving multiple problem areas efficiently. These attributes are fundamental elements of this planning tool.

Are you able to offer a single alternative that will do all of these things? Would you be surprised if I told you this solution is made possible with a plan of permanent life insurance? OK, are you ready to sneer at me and tell me about the non-competitiveness of life insurance?

Unfortunately, permanent life insurance is often overlooked as a part of the solution for a financial plan including retirement. What I often hear is that "I will buy term insurance and invest the difference". Could be a solid idea, but two things get in the way. Term insurance has an ever-increasing cost; annual premiums that will escalate beyond what may be tenable and an overall cost that will eventually eclipse the benefit. And, the "invest the rest" often never happens or may not reach the desired accumulation goals. What one ends up with is a thank you from the insurance company for all those premiums paid and a small to non-existent nest egg. Maybe it is time to give stodgy old permanent life insurance another look. It may be a very welcome addition to your overall retirement plan!

As if being thrown away by your family isnt bad enough, imagine ending up at high kill shelter where dogs are crying and screeching all day and night long - heartbreaking for any dog, especially a sweet senior such as Duke.

He seemed shy at first but he warmed up after a few minutes and started to wag his tail, allowed to be collared, be petted, and sat when asked to. But when he didnt want his paw squeezed during their 'test' he failed and was thrown on the kill list "has not acclimated well here." How unfair for a boy who gave someone his heart all his life, until they threw it away.

The love and the strong bond that develops between a senior dog and his family is unlike anything else. If you are looking to adopt a dog, please consider sweet senior Duke, he is out of time. Duke WILL BE KILLED ANY MOMENT (if not already - its very late)

Hello, my name is Duke . My animal id is #46220. I am a male black dog at the Brooklyn Animal Care Center. The shelter thinks I am about 7 years old.

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Animal Care Centers of NYC - Brooklyn at +1 212-788-4000
2336 Linden Blvd, Brooklyn, NY 11208
Ask for information about animal ID number #46220


STATUS : - read comment for update from crossposter
The majority of senior residents of North America are not able to afford long-term care due to the high cost. Only a few seniors use their insurance to cover the expenses for long-term care. This is a serious issue; too many seniors are unprepared for these costs, leaving them and their families at financial risk. There is a solution: purchasing life protection can help cover all possible expenses for long-term care. There are also several other advantages of purchasing life insurance for seniors; find out about these below.

Provide Financial Support for Your Spouse

Married elderly couples are often anxious about leaving their better halves with debt after passing away, and for good reason. Funerals in countries of North America are quite expensive - they can cost as much as $5,000 or more. Not every family can afford these costs, and that is why life coverage comes as a practical solution.

Life protection policies can fully cover the expenses of the funeral and burial of one spouse, and that coverage can bring some peace of mind to the insured person. Covered by a life protection policy, the individual can be sure that his or her significant other will receive the necessary support to deal with the financial side of a funeral.

In addition, a surviving spouse can use the funds from the coverage to increase the benefits from their pension plan.

Life insurance for seniors makes it simpler to deal with the expenses of a funeral, and that means the financial pressure does not add to the already-stressful situation.

You Can Still Get Life Insurance If You Are Sick

A lot of the insurance companies that provide traditional life protection policies often refuse to provide life protection for seniors who have pre-conditions. A serious illness poses a high risk to your life, not to mention the fact that advanced age also contributes to that increased risk. These are the main reasons an insurance company will decline your life insurance application.

Having a pre-condition does not mean you are left without life coverage at all, though. There are many insurance companies that do provide insurance for people who cannot or do not want to undergo a health exam. This type of insurance, often called no medical life insurance, does not require a medical examination for qualification; however, this feature also makes the price of this type of insurance higher, compared to a traditional life protection policy.

There are two types of life insurance policies that do not require a health exam: guaranteed issue and simplified issue. Guaranteed issue insurance plan requires no medical tests and no medical questions; that means that you are approved for this insurance automatically, but you will have to wait two years before the policy starts to work. Simplified issue insurance requires you to answer a series of questions, but there is no medical examination, and the policy provides coverage from day one.

The Bottom Line: Life Insurance Is a Reasonable Choice for Seniors

Progress in technology and healthcare are making it possible for people all over the world to live longer lives. That is why the senior population is outnumbering the population of younger people, and it is also why more life coverage alternatives have to come into play. Before these changes, one could not afford life insurance if they were older than 60 or 70 years of age. Now, it is no longer an issue - older people no longer have to worry about leaving their families with nothing but emotional and financial distress when they are gone. Life insurance is a helpful hand thanks to which you can be sure your family, children, and spouse are financially secure.

1 Response to "SORRY Duke you will die today, but everyone wants puppies -- and nobody wants you"

  1. STOP KILLING THESE DOG ITS SO EASY JUST TO DO THIS THAN FIND HOMES. THESE KILL SHELTERS NEED TO BE CLOSED DOWN ITS FUCKING DISGUSTING KILLING THESE PRECIOUS DOGS. THESE PLACES COULD BE USED TO HOME THEM INSTEAD OF KILLING THEM . THE PERSON THAT DOES THE KILLING GOD KNOWS HOW YOU LOOK IN THE MIRROR EVERYDAY KNOWING YOU KILL THESE INNOCENT DOGS .

    ReplyDelete

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