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Looking into Disability Insurance

January 17, 2014 by Lazy Man 6 Comments

There are circumstances in your life that require obvious change. For example, when we had our first child, it was clear to me that we should increase our life insurance. (Maybe it isn’t as obvious to everyone else and it is just me.) When you buy a car, you have to get insurance in many states. Even people know that at some point they are going to die and need to prepare themselves for that inevitable “change” (not to get all tarot-card-y with the “death equals change” thing).

I can’t think of the circumstance that pushes someone to get disablity insurance… except for when it is too late. When you get your first job they don’t say, “Don’t forget to get disability insurance. When you get a new house, I rarely hear the advice, “Get disability insurance, so you can afford mortgage payments.”

Aside from the Aflack duck, I don’t see a lot of advertisements pushing me to get disability insurance. Maybe I’m not looking hard enough, because it seems to be one of those products you’d see advertised everywhere.

I earn almost 100% of my income at a computer. At first glance, it doesn’t seem to be the type of occupation that requires disability insurance. Even someone with Stephen Hawking’s motor neuron disease could probably physically do what I do with the advances of computers today. However, I am reminded of a colleague, Ben from Money Smart Life who came down with carpal tunnel syndrome a few years ago. While he was able to continue to blog with Dragon NaturallySpeaking software, I imagine it wasn’t easy.

Ben and I have it fairly easy being bloggers. Just about every other job under the sun is more physically demanding, all the more reason for people to have good disability insurance.

Michelin has the great tagline that “so much is riding on your tires”, but if you stop to think about it, just about as much is riding on your income. If you go with GoodYear or Firestone instead of Michelin tires, you still have something reliable, but how many of us are operating our financial vehicle without anything?

One reader recently emailed me suggesting that I find out more about Suncorp Income Protection, but that seems to be an Australian-based company and probably not a great fit for me in the United States.

While I am at it, I should take stock of our life insurance now that we have a second child.

Filed Under: Insurance Tagged With: disability insurance

Weekend Links: Harry’s Hofbrau Edition

August 1, 2011 by Lazy Man 1 Comment

A couple of weeks ago, a friend turned me onto Harry’s Hofbrau a local chain of restaurants. It turns out that in San Francisco “Hofbrau” means more of a carvery. It might somewhat similar to a more upscale version of Boston Market. It’s a little like a cafeteria where you just go down the line and construct your meal from all the options in front of you. The food is amazing, but the prices are even more outstanding. Last night, I had sirloin tips in a mushroom sauce on bed of noodles with a roll for $7.14. Energi Gal had a soup, half sandwich, and fruit salad for around $7.00. With taxes we had a great meal for a little over $16. It’s not as cheap as eating at home, but it’s a great value.

Onto the links:

  • The Digerati Life continues to be one of my favorite writers. While I could recommend any of her articles this week, I liked these 10 tips for retiring on time. I especially identified with tip #4, don’t pass up free money. This is why I’ve been pushing the $25 free dollars from Revolution Money Exchange. That $25 invested at 10% interest becomes over $1000 in 40 years.
  • Brip Blap gives some sage advice for graduating high school seniors.
  • Not to be outdone on the graduation advice, Money Smart Life has financial tips for new college graduates.
  • Million Dollar Journey says that financial infidelity is the leading cause of divorce.
  • Generation X Finance asks if it’s smart to buy disability insurance.
  • The Sun’s Financial Diary has some free financial magazines
  • Madison from My Dollar Plan has two weeks to decide on a retirement plan.
  • Mighty Bargain Hunter asks if you buy things from youth organizations or just donate. I try not to buy things, because most of the time they are selling something that I don’t want.
  • No Credit Needed gives a real life example of why you need an emergency fund.

Filed Under: Links Tagged With: boston market, carvery, cause of divorce, disability insurance, financial magazines, free dollars, graduating high school seniors, high school seniors, leading cause of divorce, retirement plan, sirloin tips

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