Sadir Cristia

What Is Going On With Car Insurance Prices?

• 11 min read

Should You Break an Old CD Contract to Get a New CD at Today's High Rates?If you locked into a certificate of deposit (CD) last year, you may be looking at today's rates through watery eyes. Not only have CD rates exploded to levels we haven't seen i...

Does Home Insurance Cover Spoiled Food After A Power Outage?

• 11 min read

Power outages can be merely inconvenient or utterly devastating. A prolonged outage can leave you with a refrigerator and freezer full of spoiled food. If you’re hoping your home insurance will help cover the cost of perishable items like meat, veggi...

How Specially Designed Life Insurance Can Provide Flexibility for High-Income Earners

• 11 min read

It's a common scenario for successful, high-earning professionals: Decades of disciplined saving and investing have led to substantial nest eggs in retirement plans. But now, you find yourself in a financial bind. Despite your wealth, your money is l...

Term Life Insurance Is Often Best, Financial Advisors Say But Many People Buy Another Kind

• 11 min read

There are two broad categories of life insurance, and data suggests many households aren’t buying the most cost-effective one.Americans bought 4.1 million term insurance policies in 2021, accounting for 40% of all individual policies purchased t...

Life Insurance: Protection For Loved Ones You Leave Behind

• 11 min read

The two biggest items that people don't want to deal with when it comes to money management are insurance and making a will.Some of the real comments on buying life insurance, made to me during professional finance practice years, are illuminating.“W...

Cancer Insurance Vs A Long-Term Care Policy?

• 11 min read

Dear Toni,I applied for a long-term care policy but was denied due to having a pacemaker installed in January. The agent who presented the policy plan suggested I apply for cancer insurance to help with out-of-pocket costs in case I have cancer issue...

Understanding Long-Term Care Insurance

• 11 min read

Veterans may access long-term care through the U.S. Department of Veterans Affairs.But the largest single funding source is Medicaid, the joint federal and state program that covers low-income Americans. Although income limits vary by...

Top Reasons To Invest In Long Term Care Insurance

• 11 min read

Top 10 Reasons For Long Term Care InsurancePlanning for long term care is an easy thing to put off. Maybe you think you’re too young, can’t afford it or simply won’t need it. But if you want to help preserve your choices about future care and have re...

Turning 65 In October? Your Medicare Enrollment Options.

• 11 min read

Hello Toni,I have collected your articles on Medicare for years from the local newspaper. I turn 65 on Oct. 20 and am preparing to retire in February. I have a question about my enrollment timing.I plan to work through January 2024 to help with the t...

The Pros And Cons Of Medicare Advantage Plans

• 11 min read

There’s no right answer for everyone. But Medicare Advantage plans—the type you’ve seen in TV ads with celebrities—do have pros and cons you’ll want to consider before deciding whether to enroll.One of the biggest differences between Part C plans and...

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