The Case for Life Insurance
When it comes to most forms of insurance, many people understand the importance of having coverage. Whether it’s your car, your home, or other valuable possessions, having insurance means that you’re financially protected should disaster strike. One of the first things you do when you buy a new car is to make sure it is protected before you drive it off the lot. Why? Because if you are involved in an accident chances are good you would suffer financially.
But, what about life insurance?
Although this form of protection works the same way as all other types of insurance, many are reluctant to open the conversation. Perhaps one reason is that life insurance involves the planning for the worst-case scenario – your death. The truth remains however, that if someone, your family or your business for example, would suffer a financial loss due to your death, life insurance is the answer. In fact, life insurance is one of the smartest ways to provide for both yourself and your loved ones.
For today, take stock of your current situation and consider these important reasons why life insurance is needed: Read more 
Do Retirees and Empty-Nesters need Life Insurance?
Now that the kids are out of the house, you should be shifting your focus on retirement. Since your money isn’t going towards feeding, clothing, and supporting your children (hopefully), you should be figuring out the best way to maintain your quality of life once you retire.
One of the biggest variables in this scenario is the fact that it’s impossible to know how long your money will have to last. Whether it’s 20 years or 40 years can make a huge difference, particularly if you’re not earning money from various investments.
With that in mind, we want to discuss how retirees (and soon to become retirees) can use insurance to help provide for their health and well-being well into their golden years. You don’t want to be left in the lurch because you failed to plan. Here’s what you can do. Read more
DM Monthly Report – May 2019
IS THERE A RELATIONSHIP BETWEEN INTERST RATES & STOCK VALUATIONS? In last month’s missive, we tackled the topic of persistently low interest rates and gave our theories as to why yields have not tracked the significant economic recovery from the depths of 2009. Understandably, this anemic backdrop imparts a direct impact on expected bond performance, but should it also influence how we think about stocks? In a recent interview, Warren Buffet said, “I think stocks are ridiculously cheap, if you think that 3% on 30-year treasury bonds makes sense”. Buffet wasn’t saying that corporate earnings are about to explode or that companies are going to double their dividend payouts, but was instead suggesting that relative to their primary alternative, the expected return for stocks (and hence their current valuation) looks compelling.
Click here to read more: DM-Monthly-Report-May-19
Cardinal Quarterly – April 2019
MARKET OUTLOOK – After falling close to 20% in December 2018, most developed markets have experienced a V-shaped recovery and are approaching record highs. A change in interest rate policy from Central Banks has probably been the biggest factor behind the change in sentiment. Coming into the fourth quarter of 2018, the Federal Reserve seemed intent on pushing short term rates higher to guard against higher inflation in 2019 and beyond. However, inflation has remained weak, as it has for most of the past decade, bolstering the argument for continued low interest rates through 2019.
Click here to read more: Cardinal Quarterly – April 2019
