Financial Fitness and Wellness | Blog - by SARA CHEVERE

Is Life Insurance an Expense?

A lot of times, we see this as a bill, and we might start thinking about all the other things that we could be doing with that money. Or we rather avoid altogether by not getting one. But is having life insurance an expense?

When you buy life insurance, you might feel that it is a burden and an expense. And therefore, we see it as something negative instead of something positive. A lot of times, we associate negative emotions with life insurance. Perhaps it is because it makes us think about death instead of life.  

However, it is a matter of the perception that we have about it.  It might feel like an expense because you do not see immediate benefits. 

But life insurance is peace of mind policy.  These days, it is not just to protect your loved ones if you pass away, but also to protect you if something unexpected happens and you are still alive. 

Also, many life insurances are a great tool to increase your wealth and to use as income in the...

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Are Colleges Going To Exist 10 Years From Now?

Are colleges going to exist 10 years from now?  Maybe, maybe not, but for sure they are not going to be anything like they are right now. 

A lot of our children might not go to college like we did.

Colleges might not exist in 10 years from now. 

The return on investments for colleges and for students are not what they were before.

At least 71% of students graduating from college has student loans of at least 30k.  And this is only for a graduate degree. 

Most students are not getting a good college education but only a good name. 

What $1,000 was to cover for books before, now it is to cover 1 class.

Costs of schools are getting out of control. 

A data collected from over 1000 students that were going to college showed that at least 45% didn't demonstrate any type of improvement in learning over the first two years and 40% over the four year period.  

Among the reasons is that many of them didn't study at all.  The average only...

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