Understanding Insurance Company Financial Ratingsby Richard F. O’Boyle, Jr., LUTCF, MBATriple A, Gone AwayWell, it’s official: The United States Government no longer has a perfect credit score. On August 5, 2011 its credit rating was lowered by Standard & Poor’s to AA+ from AAA. The rating on the debt of the federal government and some specific agencies such as mortgage giants Fannie Mae and Freddie Mac was lowered because S&P deemed it more risky due to the ballooning federal debt and the inability of the political process to reform entitlement...
2011/09/02
2:41 PM
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Tricks of the Trade: Three Simple Steps to Avoid Probateby Richard F. O'Boyle, Jr., LUTCF, MBAMuch is said about the value of avoiding probate, the legal process where your will (if you have one) is validated and its provisions carried out. Complicated estates can be tied up for years with legal maneuvering and family wrangling. Most cases are straight-forward and uncomplicated – but they can still be time-consuming and emotionally draining.First, you can free up some resources for your heirs by carefully naming them as beneficiaries on savings...
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