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Stretching Your Dollar
By Philip J. Goldberg
Institute for Financial Planning. Inc.
"j rr^ni the ;im .y I have
urceivisl, here ."iv a fe.v <j| the
most (rpquTcily asked questions:
l»K \|» \f!». GOLDBERG:
I have an a ent trying to per
MK"io t>, ' op my present life
. insumniv co-.oi..ge ami teke the
p«»licy ho is «firring. How can I
!*• sure | m fining the right
thing?
AN'SWEIi
i list of a|t n |S considered un
ethi .I in tli- insurance profes
sion for an a*;* nt to suggest can
•eJation of one policy in fevor of
another. Scro illy, rarely ran
.vo ir existin . :t - uiance is* replao
»'<l advontrtg ->•. sly to you. In any
••vent, he vu»-e lo get a copy of
^hc proposV i:: writing, anil then
send it toy w insurance company
for analysis
I>KAH Mr. ( OLDBERG:
'low can I • sure that the life
insurance .n many f am dealing
with is 3 i!< < ndnhle organiza
lion?
ANSWER
'fak-‘ sure •hr.l tlie ertnttany
■-►'ii intend i > ileal with ir llcenwd
in your st.n» * Many companies
who advertise in your state may,
net actually bc licensed to sell
life itvuranc • there. This puts'
you at i disi.! outage In case of
trouble, you will not be able to,
appeal to yej|- slate insurance
board for he’p
OKAR MR. GOLDBERG
There are so many different j
types of lif« insurance. How can
I decide win H one is tlje best for*
mo?
ANSWER
The policy lest suited for your'
personal need era only be de
termined between your agent and
yourself. t\< u*ia mentally, there
are only two 'TI’ES of policies: i
one which txTa.its you to save
money while you get life insur
ance protection: the other is
cheaper, but d es not provide you
with any cash benefits. There are
many diffe:"m Plans available,
based on n.nthei of-or a com bin
ation of • t'.e. e types.
DEAR MR. GOLDBERG 1
Do 1 act natty need life insur
ance if I am single, without any
dependants?
ANSWER
Many life ir>.<ui«IKr plans are.
in addition insurant* protec
tion. sound ways to save money.
A young man or woman contem
plating mania'e. would ho in a
hotter fln:*no:f.l position when
they tnarrv, 11 addition ,o having
life inrutano* eovora ;e which
was purchas'd at an earlier ago.
and at a ohoai«rr price. for the
older person without do|»ondants.
life insurant • could cover final
expenses su< h as husin«-ss debts
and burial « x*.cnsos. as well as
donations to > favorite charity.
DEAR MR GOLDBERG:
My insura-i--» agent thinks that
I should insvro my wife. Do you
agree with this?
ANSWER
Think, fo~ a moment. about
who would take care of your
children an.l watch over them, if
your wife were not ar >nnd. Aside
from paymo of final expenses
for her mt*di and hospital hills,
there w ill lv> urial expenses. This
is all very si-I to think ah«>ut. bui
unless you "ar afford the price of
a good nur.t * naid for your child
ren. and can ;i.iv these hospital
and doctor hills on your own. you
had hotter give careful thought
to wife insurance.
DEAR MR GOLDBERG:
I have a so k»us medical pro
blem. Is it possible for me to get
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- V.'* insurer c *
ANSWER
Today, lit.* insurance under -
writinx is s< f.exiblo that there
an1 very (r jMuatl'in* which art*
completely t! -insurable. However,
your promiii n will hr hither than
one for a herUny person. depend
ing upon ih" ■ rriousnoss of your
medical pn>V -in. D<> not assume
that because ’.-hi have a history
•of medical j n t-lcms. that this
rale will lie j. ohibitive With the
advances in Ide insurant under
w’riling pi -idures torlay. the
chances art? \ iu will easily l>e
able to affoi I tiie premium.
Just as him. n beings are dif
. fe-ont. them -nsurcnce problems
vary accord’ni to iheir individual
circumstance;. Tor insurance, as
.with medicine or law. there is no
j one answer to any question. For
this reason. I suggest that the
answers of there qut'stio-s be us
e*i only as rn: Vposts. wlten von
sit down with your life insurance
agent to dis'ers your Individual
I protection p'.an.
Your regular paycheck is total
protection to - your family today
hut what (ihwl tomorrow?
Should that hard earned pay
check not t go into the house
held at the regular time, what
.would your ‘amity do? liow will
'they pay the itnt? How will they
buy food? Hw will they buy the
! many other n.v ossifies >f life?
A good life insurance policy
will cover op- eventuality. Today,
most peopl *. e’thei through their
job. ov on a-, individual basis,
supplement iV ir life insurance
coverage wi h medical, surgical
a-i*l hoSD'ij’ization insurance.
Tliis covers another eventuality.
Tint still, thee (V* not have total
protection. I,- cuse there is anoth
er possibil:ty where the bread
winner will lie prevented from
bringing home a regular pay
check.
Tlic threat of partial or com
plete disabivty foi a prolonged
period threa:crr the happiness of
your family, .nd this is where so
many insurance plans fell short
of total protection.
Disahilitv *r. ans loss of income.
W hen this happens, should you
dip i-to youi* hard-earni'd sav
ings? The .answer is no. However,
some peopl’' have no ehoiee anti
their savin ;s „ir used up in a
matte, of n -Phs even though
doctor anti ht spit a I bills arc paid
for. and even though union, em
ploye!* and week men’s conpensa
tion benefit; ‘' Ip t > somewhat
ease the bunk n.
Disability i> surance provides
your family with an income, if
you are un.a-1 • to work. When
add(>rl to you ’life insurance and
health insurance plans, it gives
them total r .itoction in case of
any eventunlitv tax free. In
most cases. Uncle Sam allows you
to use ever*' penny of this disabil
ity income.
'Hie cost of ttisability insurance
depentis up >n only one factor:
how long can you wait, while lie
ing laid up. *■ 'rort* that first check '
comes in. v.iV ut dipping into
your savin:
Tiie period of time you can wait
depends larg-'e upon your per
sonal situat:- n Along with vour
insurance a-.irt. you can tlecitle
this. His diversion with you will
include such things as:
H«*w long w .'! y our company
pay you if you arc off the job
due to sieke-'.i. ?
liow much will you be entitled
to from beeertts such as work
men's compensation'* How long
i will you be allowed *o collect
these bencf*'- ’.’
Total prot *• :.on means having
(enough fores ght to protect your
I
}
If we don’’t have the model and make you want (late model, old
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Woodwind
HORIZONTAL
i r>p.. tm
woodwind
lrU5IC.lt
inMnamot
• It ha* a
refliillif ——
13 Performer
14 Improper
IN Golf t*iin
It. Row liber
18 Girls name
19 Peak
30 Performed
SI Weight o(
India
22 Hebrew deity
23 Registered
nurse (ab )
24 Float of logs
27 Cheerful
29 Measure of
area
30 Indian
mulberry
31 Anenl
32 Mixed type
33 It belong.: to
the
family
85 Throw
38 Egyptian sun
god
39 Diminutive
suffix
40 Exclamation
42 Soft drinks
47 Constellation
48 Knock lightly
49 Clan
50German lab.)
51 Creek letter
53 Part of a
v. hoie
55 Radio dftecto
56 Bore*
VIRTUAL
I Bcjt
? Interrti*
3 Pat*
4 Yei (Sp )
J Gi**k m< uni
t. Ol |h* rar
7 Bird's bom*
R Chilly
9 Ruth*mum
cymbol)
10 American
patriot,
11 Commands
lINVw J*t«*y
city
I? An (Scot )
25 Gambling
gam*
I If Ia Im
?• Woody plant
:T EnrlunM
21 Mixture
33 Speaker
34 Group of
lionet
38 Calm
37 Uo*
41
2 Asterisk
3 Either
4 Expired
5 Compete-.!
• Ofctened
TOW
2 Georgia (at)
4 Anotiier
Creek letter
BETHWARE
; OAK GROVE NEWS
> Bn Jit-in Botton Da via
1 Telephone 7J9*5Sj9
I I!
BETHWARE Mrs. Johnny
Seism was honored at a house-1
hold shower and (tarty Satin da\
night at the home of her mother,
Mrs. Oland Horn. Hostesses lor
the party were: Mrs. Wesley Ki
ser. Mrs. Evenotte Seism, and
Mrs. Clyde Dixon
Mr. anti Mrs. Dennis Horn anti
Mr. and Mrs. Ed Roberts have re
turned home alter spending last
week in Florida where they visit
ed Smyrna Beach and Cape Ken- j
nedv.
Mr. and Mrs. James Mathenyi
attended the Mathenv family re
union which was held at the Gun ‘
Club in Bostir Sunday. James
was elected president for the next
two years.
Tom Mathenv. Jr. and Craig
Christen bury of Charlotte visited
the James Mathenys Friday.
Theresa and Timmy Holt, and
Lisa Fith of Mt. Gilead spent last 1
week with Mrs. Luther MeSwain.
Mrs. Wylie Allen ontortain«*d
her Sunday School class of Jun- *
ior Girls at a cook-out at her
home Thursday.
Jean Allen and Shirley South-1
ard are attending GA Camp atj
Gardner-Webb College this week .
The Golden Circle of David's
met Tuesday night with Mrs. Ev-J
erette Patterson. The devotional |
was given hv Mrs. Glenn Spear- '
man.
family from three major oatas
trophies: Your premat ire death,
your unexpected long life, or the
possibility tha* you might suffer
the economic math of disability.
To protect 'hem completely, you
must have ife Insurance, health '
insurance and riisabilitv insur
ant*.
Mr. and Mrs. l.awivnoe Crigg
and family of Cherryville were
Sunday guests of Mr. and Mrs
Franklin Davis.
Mr. and Mrs. Sam Lovelace and
Mr. and Mrs. I*. H. McSwain
went to Charlotte Wednesday.
Mrs. Linda Bolton, David. Pam.
and Tammy, and Mr. and Mrs.
Lloyd C. Bolton were Monday
visitors of Mi >. Edward Pavi* and
Bobby.
Herb are a-i’horitative cnswers
bv the Vete-a 3 Administration
to questions frcm former service
men and tbc r families:
Q When will educational and
training hcn« fdr expire for vet
orans of the Kt itan Conflict?
A The educational program
program fo ■ Korean veterans
will expire a.i January 31, 19f>>
Tlte cducatiora' program for
World War II »eterans has al
ready 1
Q My hu.or ntl’s Wot id War I
insurance is r>cte of a burden on'
our very li-i • d finances. Will
this ever be -.aid up?
A Some typer of insurance
contracts are paid up after 30 or
30 years. If v u cannot tell from
reading th>- pr.l cy you may v.-rite
to the office t-- which you pay
your premiums.
Q In the ease of a service
man's death while he .'s on active
duty, what are the limits of the
Death Gratuitv and who receives
it?
I
A Tile b UK-fit is a sum equal
to six month* pty of the deceas
ed. Howvv, it shall not be less
than $W0 no : ion* than $3,000.
It is paid to the surviving spouse.!
child, or ch 'i’-m unless the scr- i
\1ceman has designated his par
ents. brothers or sisters.
The Veterans
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Regular $2.00 Values. New SI JS
Other Price Reductions Include:
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