By Sarah Young Fisher
Sarah younger Fisher is the landlord of Fisher Advisors, a monetary making plans enterprise in Lancaster, Pennsylvania. She is a qualified monetary planner, a chartered monetary advisor with the yank collage in Bryn Mawr, Pennsylvania, and a professional monetary prone counselor. Fisher has controlled the non-public and fiscal portfolios for countless numbers of consumers. She is a co-author of Everything you must learn about cash and making an investment: A monetary specialist solutions the 1001 most commonly asked questions about Money; The entire Idiot's advisor to non-public Finance on your 20s and 30s; and The entire Idiot's advisor to beginning an funding Club. She lives along with her husband and teenagers in Lancaster, Pennsylvania.
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Additional info for The Complete Idiot's Guide to Personal Finance in Your 40s and 50s
You may need to provide your own insurance for some risks by putting aside funds on your own. You might want to set aside money for dental bills or a nursing home stay, for instance. Let’s look at some of the kinds of insurance that are important to you and your family. Disability Insurance Disability insurance kicks in if you’re unable to work for an extended period of time due to illness or injury. This type of insurance is imperative if your family depends on your income to keep a house, maintain its current standard of living, and so forth.
Chapter 3: On the Plus Side 27 These are arrangements in which a lender pays the homeowner (that would be you) a monthly payment with the idea that the lender will be repaid after the property is sold. It’s the opposite of a traditional mortgage, in which the person living in the home pays a monthly rate with the goal of eventually owning the property. There are several types of reverse mortgages, including those that are federally insured, those that are uninsured, and one called a reverse annuity mortgage.
Most states require that you carry a minimum amount of bodily injury coverage—usually $25,000 per person, and $50,000 per accident. Personal Catastrophic Casualty Policy (PCAT) Your auto and homeowner’s policies provide liability coverage up to a certain amount. What happens, however, if someone sues you for more than the limitations of your policy? Go Figure Many insurance companies provide maximum liability coverage under your homeowner’s policy of $500,000. If your neighbor falls down your steps and sues you for $750,000, you’re likely to be in for some sleepless nights.
The Complete Idiot's Guide to Personal Finance in Your 40s and 50s by Sarah Young Fisher