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Capstone Capital

Favorite Quotes

Favorite Quotes

Benjamin Franklin“Human felicity is produced not so much by great pieces of good fortune, that seldom happen, as by little advantages that occur every day.” “The eyes of other people are the eyes that ruin us. If all but myself were blind, I should want neither fine...

Term Insurance vs. Whole Life

Term Insurance vs. Whole Life

Term insurance (temporary insurance) has the lowest initial premium but the highest long-term cost because premiums increase over time and your beneficiaries are highly unlikely to ever collect any payout from it. Premium payment terms are very inflexible and you...

The Right Types of Insurance

The Right Types of Insurance

Have you ever felt like you were over-insured? No one wants to waste money on unnecessary insurance premiums because every dollar wasted is a dollar that could have been invested or spent on something a lot more exciting than insurance. On the other hand, not having...

Retirement Income Sources

Retirement Income Sources

As you embark on the journey to make your retirement dreams a reality, keep in mind that retirement income can come from many different sources, including the following: Part-time Work – Many people chose to work at least part-time in retirement to bring in extra...

Preparing for Retirement

Preparing for Retirement

Whether you plan on working for the rest of your life or not, saving for retirement is very important because it will help you get to the point where you’re working for the joy of it, not just out of necessity. Then you will be free to choose the type of work you...

Medical Insurance

Medical Insurance

At the time of this writing, our country is going through a major health care crisis. For many years it has been common for employers to provide medical insurance to their employees at no cost or very little cost. However, since medical insurance premiums have...

Key to a Happy Retirement

Key to a Happy Retirement

What’s your picture of the ideal retirement: lying on the beach every day, traveling the world, non-stop shopping, or golfing 6 days a week? Studies show that many people who pursue nothing but constant leisure and entertainment during their golden years eventually...

IRAs

IRAs

Traditional IRAs IRA stands for “Individual Retirement Arrangement,” also known as “Traditional IRA.” In 2015 and 2016, the most you can contribute per person is $5,500 ($6,500 if you’re age 50 or older). If you also have a retirement plan at work, the amount you can...

Homeowners Insurance

Homeowners Insurance

Be sure your home is insured for full replacement cost, but no more. You should periodically ask your agent to complete an updated replacement cost estimate to determine whether your coverage needs to be adjusted. Keep in mind that your home may need to be insured for...

Defined Benefit Plans

Defined Benefit Plans

Defined Benefit Plans are typically the most complex and expensive plans to administer out of all the types we have discussed in this section. They are designed to provide a certain predetermined benefit to employees when they retire, like a pension plan. Annual...