Musings.

Musings

The world, the economy, the markets, and our lives are dynamic. Events can have a large or small impact on us. They can create excitement, cause fears, raise questions, and spark insight.

Listed here are our most spontaneous, timely, and succinct comments on wealth, life, and more.





  • September 28, 2012 - Missing Any Money?

    For Hawk100 Members, we conduct searches of state unclaimed funds registries and help you recover your money.



  • September 27, 2012 - Charitable Leverage

    Create more money for your retirement and your heirs by giving to charity. Hawk100 can help.



  • September 25, 2012 - Discerning Issuer Creditworthiness

    AM Best summarizes its issuer ratings which help consumers gauge whether insurers can meet their obligations. (AM Best)



  • September 24, 2012 - Check Insurer's Creditworthiness

    AM Best is among the most reputable firms that rate insurers' abilities to meet their obligations to policy holders. (AM Best)



  • September 21, 2012 - Should you "invest" in life insurance?

    If people depend on you, then you probably need life insurance. (Horizon Business Solutions)



  • September 20, 2012 - Insurance Guarantees

    Insurance contract guarantees are only as good as the financial strength of the underwriting insurer.  (CFA Institute)



  • September 19, 2012 - Aligning Human Wealth

    In 2006, Peng Chen, CFA, Ibbotson, Milevsky, and Zhu challenged conventional thinking on insurance.  (CFA Institute)



  • September 18, 2012 - Married couples rarely discuss insurance

    45% of married couples tell survey, "they rarely or never talk with their spouse about what would happen to the family finances should one of them pass away." (Financial Advisor)



  • September 17, 2012 - Ohio Insurance Toolkit

    Useful tools and links for consumers from Ohio Dept. of Insurance, http://www.insurance.ohio.gov/Consumer/pages/LifeToolkit.aspx



  • September 14, 2012 - An Unbiased Perspective

    Our life insurance advisor recommends that you bring an unbiased perspective when considering whole life. (ProducersWeb)



  • September 13, 2012 - Watch out for longevity risk.

    "With many people living well into their 90s, retirees need to think carefully about how to protect themselves from running out of money in their later years." (WSJ)



  • September 12, 2012 - Augment Retirement Income

    Morningstar offers insight how to use insurance products to augment retirement income.  Proceed with caution. (Morningstar)



  • September 10, 2012 - Align your insurance with risk.

    When buying life insurance, ask what risk you seek to cover.  Buy term policies to insure temporary risks and permanent policies to insure permanent risks.



  • September 07, 2012 - Follow Hawk100

    Follow #Hawk100 at Twitter: @Hawk100Clemens



  • September 07, 2012 - How much insurance is enough?

    Hawk100 recommends enough insurance to cover (1) your lost earnings, (2) your financial commitments, (3) your desired legacy, and (4) your family sancity.  (Click here for more)



  • September 06, 2012 - Obama's Small Campaign

    Tonight, Hawk100 hopes Obama recalls his 2008 DNC speech where he said, "... if you don't have any fresh ideas, then you use stale tactics to scare voters.  If you don't have a record to run on, then you paint your opponent as someone people should run from. You make a big election about small things." (USPolitics)



  • September 06, 2012 - You need insurance, how much?

    Hawk100 estimates your life insurance needs based on your life (purpose, values, aspirations and goals) and your wealth (human, financial, permanent, and emotional).  (Click here for more)



  • September 06, 2012 - AICPA Resource

    The AICPA's 360 Degrees of Financial Literacy project offers a wide array of planning tools for life insurance. (AICPA)



  • September 05, 2012 - How much life insurance do you need?

    Hawk100 can prudently estimate your life insurance needs to protect your loved ones when you die.  (Click here for more)



  • September 04, 2012 - Protect your loved ones.

    The AICPA opines, "While many Americans recognize that it is important to protect loved ones with life insurance, far too many lack adequate coverage."



  • September 04, 2012 - Forgive Us Our ... Accidents

    "More" auto insurers offer accident forgiveness as a ploy to attract customers and to build loyalty among existing customers. (WSJ)



  • September 04, 2012 - Does your insurer forgive accidents?

    Hawk100 can help you determine how to benefit from accident forgiveness in your auto insurance policy. (WSJ)



  • September 03, 2012 - Permanent or Term Insurance?

    Morningstar offers a basic description of cash value insurance to help you decide whether permanent insurance would be better than a term policy. (Morningstar)



  • September 01, 2012 - National Insurance Month

    Congress proclaimed September "National Life Insurance Awareness Month" intended to prompt Americans to assess their life insurance needs. Hawk100 will muse on this subject throughout the month.