Archive for February, 2010

UNUM REPORTS HEALTHY FINANCIAL NUMBERS – BUT WHAT ABOUT DISABILITY INSURANCE POLICYHOLDERS?


05 Feb 2010

Unum Group just released its quarterly earnings report for the end of 2009 that proudly trumpets the company’s “favorable operating trends and solid capital position.” President and CEO of Unum is quoted saying “the actions we have taken (sic) the past several years have positioned us well and provide us with significant operating and financial flexibility.” While that may make the company’s shareholders happy, it doesn’t do much for the UNUM long term disability insurance policyholders whose claims are being delayed and denied. When an insurance company does not pay its policyholders, or instills a company-wide policy, unspoken or otherwise, of denying claims, it’s considerably easier to show healthy profits.

For the formerly hard working employees whose employers purchased disability policies through Unum and are now fighting to get their benefits, the company’s glowing press release is of little help. We work with many individuals who have had to fight to get their benefits from Unum.

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Tags: Unum Unum Reports

The Latest on the Estate Tax Lapse


04 Feb 2010

More than a month into 2010, the Internal Revenue Service is not collecting estate tax on the money that wealthy people, including small business owners, leave to their heirs after they die. The unusual situation results because the U.S.Senate did not pass legislation late last year to remedy the scheduled expiration of the estate tax.The situation is confusing and unfair, and particularly hurts entrepreneurs doing succession planning, says Jonathan M.Bergman, a certified financial planner and vice-president of Palisades Hudson Financial Group, a fee-only financial planning firm in Scarsdale, N.Y. He spoke recently to Smart Answers columnist Karen E. Klein. Edited excerpts of their conversation follow.

At this point, there’s no federal tax being levied on the estates of high-income people who die in 2010. What’s going on?

In 2009, the estate tax exemption was at $3.5 million, meaning that if you left more than that amount, it would be taxed. If you die this year, there’s no federal estate tax, although some states do impose estate tax.

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Tags: Estate Tax Tax

Tips for unemployed top It’s Only Money posts for January


04 Feb 2010

1. Unemployed or underemployed? Check out these breaks

2. Turn your nest egg into a Roth?

3. Refund anticipation loans? Just say no.

4. Refund anticipation loans – has the war begun?

5. Appliance rebates vary widely by state; Oregon’s helps the needy

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Tags: Unemployed Unemployed Top

Overcoming Mexico English-Spanish Barriers Using Current Technology!


01 Feb 2010

Mexican Insurance Store:Mexican Auto Insurance Blog Review Current Mexico Travel Tips andCompare Best Quality Mexico Insurance Quotes Online in minutes!

Overcoming Mexico Language Barriers Using Current Technology! One of the things English speaking people may sometimes take for granted is the ability to communicate. When visiting Mexico, many hotel and restaurant employees do speak English but in more remote areas, it may be more difficult to find someone who can assist; especially if there is an accent present. People from the South, North or those whose first language is something other than English or Spanish may produce a dialect that sounds unfamiliar to some Mexican people.

When you prepare for your Mexican vacation the single most important protection you should purchase if driving in Mexico is Mexican Insurance. Mexican Insurance Online professionals who know how to save you a few pesos and still provide the best protection available. For more information on Mexico driving insurance or to buy your policy at great rates, visit Mexican Auto Insurance Online.

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