Brandy’s Life's Archives

I you’re like most people, you’ve thought about life insurance from time to time. It’s an important piece to your financial plan and provides valuable coverage to your family. But over time, life insurance has evolved. And it may not just be for your family to use, at the time of your death. In this article, we are going to look at some creative uses of life insurance, that you may not be familiar with. Using Whole Life Insurance for College Expenses Using life insurance as a college savings tool is a strategy that has been used for year. But unfortunately, many people don’t understand the advantages to this strategy. Below are some of the main advantages of using Whole Life Insurance. No limitations on how the cash value could …

As children, we all believed that our lives will remain happy and safe forever. But the truth is, it’s not that simple. As we grow up, we realize that life is never always just happy and safe. Sometimes bad things happen, and they can get even worse if we don’t prepare for them. Perhaps you already own investments and assets of your own. Maybe you’re at the pinnacle of life, simply enjoying everything and as much as you can. But like many others, there’s a possibility that you’re forgetting one vital thing as a grown-up: the importance of writing a will and keeping it safe. Safeguards Your Assets A will is a legal document that serves as your final word regarding all the assets that you own after your death. …

With the divorce rate hovering steadily at the 50% mark in many countries including most of North America, it should be no surprise that there are an increasing number of blended families coming together everyday. The idea of a blended family can have great benefits but can also have its troubles. Integrating children into a new family unit, often with new step-siblings, new routines and even a new home can be stressful. There are a lot of changes that still come after the wedding. Just getting along can sometimes be the easy part. Blending you and your children into a new family can be rewarding, but often requires very careful and thoughtful handling. Always remember that this new family was your idea. Your kids have to come along for the …

There is no ring to rule them all, but there are two that hold powerful significance to the people who own them—the engagement ring and the wedding ring. There’s plenty of them in jewelry stores, in all shapes and sizes, but every ring is unique for those who give and receive it. No one wants to lose the things they cherish, most especially an engagement ring and a wedding ring. The value of both rings can’t be seen in their size. These rings are both financial and sentimental investments. A wedding band can cost at least $1,000 while an engagement ring can cost twice as much, depending on the metal and the gemstone. But the emotional value of both rings is priceless. That’s why many jewelers advice to have them …