Insurance by Ruben Vazquez https://padlet.com/rubenv030/9y61j5phszbw Life, Auto, Property, Health en-us 2018-03-26 17:32:44 UTC 2026-01-02 05:34:21 UTC hello@padlet.com General Information rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246207663 1.) I would most likely consider health insurance, since most people technically already have auto insurance first.
Health insurance could still cover your family from any bumps and bruises.
Health insurance when retired will be cheaper, which was said by CNN. 
2.Solomon Huebne, described human life as the capitalized monetary worth of the earning capacity resulting from the economic forces that are incorporated within our being]]> 2018-03-26 17:34:39 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246207663 Life insurance rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246318812
  • Bill payments Depending if it's all variable costs it might change.
  • Outstanding debt
    • Most people try to pay off their debt, but rates increase and so does costs.
    • Death costs
    Surprises can happen and sometimes people don't have enough money.
    • Number of dependents
    a big number of kids or family members can take a big bite out of your budget.
    • Disabled family member
    Depending on disease or serious conditions medical bills can be a lot to pay.
    • Mortgage
    Insurance costs and the costs of PMI.
    • Job Layoff
    No job, no pay, no money, no home.
    • New Marriage
    honey moon and wedding costs can vary expensive.
    • New-born Child
    Medical bills and money spent on baby food, clothes, and other accessories.

    ]]>     2018-03-27 00:07:51 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246318812     Disability Insurance rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246322992 1.) Anyone who is unable to work and relies on income.   
    • Diagnosed cancer
    it can put you out of work for a very long time or permanently.
    • Major Injury
    ACL tears or back injury's can put someone for a good time. 
    • Pregnancy
    Things can happen during pregnancy and even after birth there is recovery.
    • Mental Diseases
    People who are challenged mentally or can't process thoughts as well are most likely unable to work
    • Respiratory issues
    Those who have lung disease and cant breathe properly, don't have the "breath" to work.
    ]]>     2018-03-27 00:43:12 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246322992     Long Term Care Insurance rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246329305 1.) You should consider LTC right around or after your mid 40's.
    2.) Types that are covered are Skilled, Intermediate, and Custodial care,]]>     2018-03-27 01:25:33 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246329305     Scenario 1 rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246332189 You should have health,auto, and if in an apartment, renters insurance. They all should be short term coverage.]]> 2018-03-27 01:44:44 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246332189 Scenario 2 rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246333361 You should have property, auto, and very good health and life insurance. They all as well should be short term coverage. ]]> 2018-03-27 01:52:12 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246333361 Scenario 3 rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246333376 At this point in life you should have health, property and auto insurance and should start to consider LTC. ]]> 2018-03-27 01:52:17 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246333376 rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246334998 2018-03-27 02:04:36 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246334998 rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246335178 2018-03-27 02:05:56 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246335178 rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246335416 2018-03-27 02:07:44 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246335416 rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246335581 2018-03-27 02:08:56 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246335581 rubenv030 https://padlet.com/rubenv030/9y61j5phszbw/wish/246335766 2018-03-27 02:10:26 UTC https://padlet.com/rubenv030/9y61j5phszbw/wish/246335766