H C Murray Corp. Newsletter
September 2009
Hoyt C. Murray, CLU, ChFC
6133 Rockside Rd., #405, Independence, OH 44131
216-525-7280, 216-525-7286 (fax)
|
| Are You Looking For A CD Alternative? |
Please See Below | |
|
H.C. Murray Corp. was established in 1980 as an independent insurance agency.
Since H.C. Murray Corp. is an independent firm, we offer several types of coverage from a wide variety of companies. This allows us to focus on providing you with the right amount of insurance and the right type of coverage for your needs.
Whether you insurance needs are business, personal or both, we have a genuine interest in finding the right solution for you. Our attention to detail and dedication to our customers have set us apart from the rest.
|
|
Products & Services
-
Life & Disability Insurance Planning
-
Corporate Benefit Planning
-
Business Succession Planning
-
Estate Planning
-
Retirement Planning
-
Long Term Care Planning
-
Property & Casualty Insurance Protection
-
Health Insurance Protection
|
| Every patient carries her or his own doctor inside. Albert Schweitzer (1875 - 1965) |
| Contact Us
H.C. Murray Corp.
6133 Rockside Road, Suite #405
Independence, OH 44131
216-525-7280
216-525-7286 fax
| |
|
Greetings!
We hope you find our September newsletter enjoyable and informative. |
|
Talking Money With Mom and Dad
By Maria Di Mento
Whether you're 5 or 50, you're always a child in your parents' eyes. So it isn't surprising that nearly 50% of senior citizens told a recent survey that they've never had a serious discussion about their financial situation with their adult children.
Even more sobering, only about one-third of adult children were confident that their parents' finances in retirement were in solid shape, according to the study, by Golden Gateway Financial and Crestwood Associates. And considering what's been happening in the stock market and the economy over the past few months, the situation has probably gotten worse since the survey was conducted. Avoiding "the talk" could prove disastrous for both you and your parents, so it's important to have a frank discussion before they experience illness or frailty.
|
Dementia linked to midlife cholesterol levels, long-term study finds
You might want to think twice about that plate of steak and eggs.
A new study that looked at Kaiser Permanente Northern California members over a four-decade period found that even borderline to moderately high cholesterol levels in your 40s can significantly raise the chances of developing dementia later in life.
The study, published last week in the journal Dementia & Geriatrics Cognitive Disorders, found the risk increased by as much as 66 percent among people with high cholesterol in midlife, a level defined as 240 or higher milligrams per deciliter (1.75 pints) of blood.
For those with just moderately high cholesterol -- between 200 and 239 milligrams per deciliter -- the risk of developing vascular dementia, the second-most-common form of dementia after Alzheimer's, increased by 52 percent.
Read More: Dementia |
|
Since the financial crisis at the end of 2008, our world has changed remarkably. We now live in a time of government financial bailoutss and trillion dollar stimulus programs. Trust and confidence in the financial system has been severely shaken.
Insurance products offer families the financial security they need at crucial times in their lives--when a loved one dies, or when they retire. These products enable families to survive financially after the death of a wage earner or stay-at-home parent, or even to pass along a lifetime of hard work to children or charity. In addition, may of the 77 million baby boomers will rely on their assets in fixed and variable annuities to help maintain their lifestyle in retirement.
Without these financial services benefits, the additional burden on society would be tremendous. More families could lose their homes, or turn to state and federal government to provide the financial support they currently receive from life insurance products.
This booklet describes the value that life insurance company products provide.
|
|
| |
|
|
|
|
Frustrated with "Low Interest" Rates?
