"Where Fillmore County News Comes First"
Online Edition
Sunday, May 24th, 2015
Volume ∞ Issue ∞
 
<< | < | 23 | 24 | 25 | 26 | 27 | > | >>

The Who, What, Why, When, Where, and How of Life Insurance


Mon, Oct 31st, 2011
Posted in Ask the Expert

Q: Who needs life insurance? A: Every person should have a life insurance policy.

 Q: What kind of life insurance do you need? A: Be knowledgeable about the choices before selecting the kind of insurance you need. There are three basic categories:

Term - covers short-term needs at an economical rate.

Universal - covers long-term needs with a flexible policy to evolve with your changing financial situation.

Whole - covers long-term needs, includes level premiums and death benefits with lifetime coverage.

 Q: Why do you need life insurance? A: Life insurance creates an instant estate, replacing income your family would need to maintain their standard of living, paying a mortgage, funding education or help with final expenses.

 Q: When should you buy life insurance? A: The easiest answer is, "Buy it now!" Premiums are based on age so your cost will never be lower.

 Q: Where can I find someone to talk to about a policy? A: You can contact us at the PJ Thompson Insurance Agency.

 Q: How much life insurance do you need? A: Call for an appointment to discuss a free needs-analysis to consider your own situation before you arrive at an amount.

P.J. Thompson

Insurance Agency, LLC

310 So Mill Street, PO Box 70

Rushford, MN 55971

507-864-2700 • pj@pjthompsonagency.com

Q: How can I prevent back pain?

Mon, Oct 31st, 2011
Posted in Ask the Expert



A: According to the American Chiropractic Association, to prevent back pain you should:

• Maintain a healthy diet and weight.

• Remain active-under the supervision of your doctor of chiropractic.

• Avoid pr ..... 
[Read the Rest]

Why should I pre-plan my funeral?     

Mon, Oct 31st, 2011
Posted in Ask the Expert

Pre-planning one's funeral can seem like a daunting task. In reality it's a simple process that we guide you through, giving you a sense of comfort knowing your wishes will be carried out. You will have the opportunity to choose the type of service y ..... 
[Read the Rest]

Q: What bank products are insured?

Mon, Oct 31st, 2011
Posted in Ask the Expert



A: Any money you have in savings and checking accounts or in certificates of deposit (CDs) is known as a deposit. Your funds are available (such as by check, personal and ATM withdrawals ) and the bank will return your deposits and any earned ..... 
[Read the Rest]

My Student Loan payments are almost as much as my house! Should I file bankruptcy?

Mon, Oct 31st, 2011
Posted in Ask the Expert

No - not for that reason. Student loans are generally not dischargeable unless repayment causes an "undue hardship" on you and your dependents.

 "Isn't paying a second house payment to Sallie Mae an undue hardship?" That answer is also " ..... 
[Read the Rest]

My clutch chatters and fells 'jerky' when I start out from a dead stop. Do I need a new clutch?

Mon, Oct 31st, 2011
Posted in Ask the Expert

Probably. Chattering and jerking can be caused by oil contaminated clutch linings (due to an oil leak on the back of the engine, usually the rear main crankshaft seal), or by damage to the clutch itself. For the clutch to engage

smoothly, the ..... 
[Read the Rest]

Different Sales Tax

Mon, Oct 31st, 2011
Posted in Ask the Expert

What a beautiful fall we are having.

Remember back in 2008 when there was a vote to raise the sales tax to 6.875%? A lot of us in the car industry were left in the dark as to what percentage to charge on a car sale. Well lucky for all of us t ..... 
[Read the Rest]

Issues To Discuss When Choosing A Buyer's Representative

Mon, Oct 31st, 2011
Posted in Ask the Expert

To help ensure a successful home purchase, it's important to first choose a buyer's agent. Narrowing your search to ABR®-designated agents is a good first step. Here are some of the most important issues to consider and questions to ask when int ..... 
[Read the Rest]

Do Pets Benefit from Acupuncture?  

Mon, Oct 31st, 2011
Posted in Ask the Expert

Most cats and dogs enjoy their acupuncture treatment at our clinic. Acupuncture releases beta-endorphins which have been shown to relieve pain. In addition, stimulation of acupuncture points allows energy in the body to flow freely which makes your p ..... 
[Read the Rest]
<< | < | 23 | 24 | 25 | 26 | 27 | > | >>