“Retirementology: Rethinking the American Dream in a New Economy” by Gregory Salsbury, Ph.D.Review by Richard F. O'Boyle, Jr., LUTCF, MBAThere are literally hundreds if not thousands of books that try to tell you the “what, when and how much” of retirement planning, but few can tell us the “why.” “Retirementology: Rethinking the American Dream in a New Economy” by Gregory Salsbury, Ph.D. introduces the reader to the up-and-coming field of “investor psychology” which helps to explain why we treat money the way we do.We all make mistakes – and this...
2012/03/16
6:13 AM
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By Richard F. O’Boyle, Jr., LUTCF, MBADid you know that it’s possible to backdate a life insurance application to lock in a younger age? Most life insurance companies use what they call “insurance age” when calculating your initial monthly and annual premium. You get a year older six months before your actual birthday.Each year you wait to buy insurance, the premium rises a little. But if you can lock in a slightly lower rate for 20+ years, that would save you money over time. Once your policy is issued, your rate is locked in for your whole life...
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