http://denver.yourhub.comThe latest blog posts in The Denver Newspaper Agency YourHub.comen-usnews@yourhub.com(c) 2009, YourHub.com5Over the last 6 months, Ihave been training brokers across the U.S. regarding educating their clients, being a professional for them. It occurred to me that Ishould write a basic review of the most common decision families are making when it comes to Term Insurance. As you may know, Term Insura...http://denver.yourhub.com/Arvada/Blogs/Your-Voice/Blog~683404.aspx11/8/2009 10:15:13 PMMatt Benore 2010 Census to Begin THIS IS PRETTY BASIC ADVICE; BUT, IN TODAY'S TIMES, I CAN SEE IT COULD LEAVE AN OPEN DOOR FOR PASSING OUT YOUR PRIVATE INFORMATION. WARNING: 2010 Census Cautions from the Better Business Bureau Be Cautious About Giving Info to Census Workers by Susan Johnson ...http://denver.yourhub.com/Arvada/Blogs/Your-Voice/Blog~670498.aspx10/16/2009 9:34:47 AMMatt Benore "You cannot help the poor by destroying the rich. You cannot strengthen the weak by weakening the strong. You cannot bring about prosperity by discouraging thrift. You cannot lift the wage earner up by pulling the wage payer down. You cannot further the brotherhood of man by inciting class hatre...http://denver.yourhub.com/Denver/Blogs/Archive/Personal-Finance/Blog~661048.aspx9/30/2009 9:05:46 AMMatt Benore Service you Deserve -Success you Desire Just like building a new house from the ground up takes teamwork and communication from a number of different professionals, so does your financial future. Imagine what your "financial house" would result in if your team of professionals - you...http://denver.yourhub.com/Denver/Blogs/Archive/Personal-Finance/Blog~658623.aspx9/22/2009 8:12:26 PMMatt Benore "MOM" Insurance This is a funny video about the job each mother has. Lately the question has come up asking, "How much life insurance can a "stay at home" mother get? The answer is not a simple one however with the help of your Life Insurance Professional, a death benefit can be determined a...http://denver.yourhub.com/Denver/Blogs/Archive/Personal-Finance/Blog~657402.aspx9/18/2009 11:33:25 AMMatt Benore This is a funny video about the job each mother has. Lately the question has come up asking, "How much life insurance can a "stay at home" mother get? The answer is not a simple one however with the help of your Life Insurance Professional, a death benefit can be determined and justified to the I...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~657389.aspx9/18/2009 11:14:55 AMMatt Benore Service you Deserve -Success you Desire Just like building a new house from the ground up takes teamwork and communication from a number of different professionals, so does your financial future. Imagine what your "financial house" would result in if your team of professionals - your ...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~656652.aspx9/15/2009 8:38:37 PMMatt Benore Service you Deserve -Success you Desire Just like building a new house from the ground up takes teamwork and communication from a number of different professionals, so does your financial future. Imagine what your "financial house" would result in if your team of professionals - your insu...http://denver.yourhub.com/WheatRidge/Blogs/Archive/Personal-Finance/Blog~656639.aspx9/15/2009 8:12:06 PMMatt Benore DenverWest Insurance Professionals, Inc. has been revising their website. We would like to invite you to take a look & give us your thoughts. We would appreciate any feedback you have regarding the information within the site. Thank you. www.denverwestip.info In particular, the INSURANC...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~655202.aspx9/10/2009 6:36:43 PMMatt Benore I thought this would be a nice summary for everyone to review so you can get a handle on the Health Care Plan. Even though there are changes to it since this was drafted, this is very disturbing and I hope this will add some clarity to the direction which is being pushed. If you need to have y...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~653911.aspx9/8/2009 9:24:22 AMMatt Benore Are you ready? Ready for Life Insurance Rates to go up? For the last several years, life insurance rates have been falling. This was due to many factors including; we are living longer, our mortality has increased & rates of return on the money companies were investing was also very stron...http://denver.yourhub.com/Arvada/Blogs/Archive/Local-Business/Blog~653724.aspx9/7/2009 11:40:27 AMMatt Benore Cost Effective ..... what is the first thought that comes to mind as you think about your Financial & Insurance needs? For most people, the first thought is the least expensive, along with the strongest benefit. Take Life Insurance for example: right now families, business's and individu...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~650000.aspx8/26/2009 11:46:58 AMMatt Benore An Broker of mine recently presented a situation to me regarding a Pension asking the question of, "when I die, it does not look like my spouse will have enough money to survive. I do not know what my options are." The individual in question is 52 years of age, female, very healthy. The answe...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~631104.aspx6/29/2009 12:32:55 PMMatt Benore There may come a point which your Estate has grown over the years, with Real Estate concerns, gifting to family members, investment concerns, etc. which if not planned correctly, can transfer a burden to your heirs. Part IV of this series gives you a direction to take to be sure your Estate is pr...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~608169.aspx4/26/2009 3:58:13 PMMatt Benore As your Estate grows, there are options which you begin to have and need to consider which can better protect your Estate from "surprises" in the future. Consider these questions: Should you begin making gifts during your lifetime? How much money do you need for personal financial indepen...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~606194.aspx4/21/2009 9:47:52 AMMatt Benore Last time we talked about "Just Starting" your Estate Planning. The basics, really which everyone should consider. Today, I am going to ask questions regarding the next steps to consider. Are your assets titled correctly to reflect your objectives? Is putting money aside on a regular basis ...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~604956.aspx4/17/2009 12:06:51 PMMatt Benore It's not pleasant to think about your own death or disability, but it is important to make sure you have the essential documents and information organized and easily accessible and that some trusted person knows where to find them. This information includes: 1. Location of key documents, 2. Locat...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~603002.aspx4/13/2009 6:33:37 PMMatt Benore Over the last couple months, my company, DenverWest Insurance Professionals, Inc. has experienced growth. Yes, you heard me correct, we are growing, business continues to come in more now than ever. So this begs the question, what is it we are doing that is generating an increase in business?...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~583032.aspx2/23/2009 9:08:57 AMMatt Benore I have to share this story with you as it is too common. A client of mine has been working with me for the last few months organizing her estate needs. She is 59, working with an Estate Attorney and needing to update the Life Insurance as her needs have changed. Initially this was going to ha...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~566061.aspx1/8/2009 1:19:13 PMMatt Benore During this season when family and friends gather, reflecting on the past year, the good and the hardships, I have only one comment for you to think about: Have you given your family "A Gift of Life"? Take the time to read this story below. Evaluate how you feel... " As I sit in the livin...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~559686.aspx12/17/2008 9:29:41 AMMatt Benore Many questions come up regarding what the process should be for a Financial Review. Below I will talk about the process. Please know that each review is unique to each individual & family. In some situations, additional research and information is needed in order to make the best decisions a...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~549125.aspx11/17/2008 4:55:39 PMMatt Benore I received an email Monday, 2 days ago from a couple, clients of mine who are retired down in Arizona. The husband has been walking every day to loose weight so he would qualify for a preferred rating for an updated life insurance policy. While doing so hefound a house for sale, about a mile away...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~547050.aspx11/12/2008 11:37:12 AMMatt Benore There are two questions that commonly get asked: 1. "What can I do to stop loosing my money"?, 2. "What possible interest rates are available out there in this market"? I have been addressing #1 many times in these blogs so today I am going to list out some November 2008 interest rates....http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~544898.aspx11/6/2008 9:35:43 AMMatt Benore I want to share a couple stratagies which some of my recent clients are using to meet their individual goals. Please keep in mind, these were designed for each specific situation and the goals each family has. #1 - This family consists of parents (in their 30's) with two young kids (under 5)....http://denver.yourhub.com/Arvada/Blogs/Archive/Tax-Tips-Advice/Blog~544389.aspx11/5/2008 9:19:59 AMMatt Benore Did you know: 1.you can use Life Insurance to build Tax-Free Income to suppliment retirement? 2.your income from your career/job can be insured if you are unable to work due to sickness or illness? 3.Critical Illness Insurance will pay you a lump-sum of money upon first diagnosis of...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~542720.aspx10/31/2008 12:19:07 PMMatt Benore ....I do not know what to do! This has always been a common question asked however in light of our current financial market, this is being asked with "panic". So let me guide you through an exercise: For this exercise, I am going to use a sum of $100k. Now, ask your self how you would fe...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~538409.aspx10/22/2008 9:39:16 AMMatt Benore My last blog entry I had a very brief discussion on some options that are available to those who have money in the market place and providing protection for your family. Well, that has generated some confusion so I wanted to add some additional information regarding positioning yourself. I re...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~534119.aspx10/13/2008 10:44:10 AMMatt Benore Wow, what a ride. Have you ever been on a amusement park ride which turned your stomach into knots? If you have been under a rock, perhaps you are not feeling anything, but I know most people are "feeling" the ride. No one truely knows where the bottom is but now is the time to act. I continue to...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~533133.aspx10/10/2008 10:17:43 AMMatt Benore One day we hear how good Annuities are and the next we hear the horror stories. Let me start by saying I am notsaying toanyone, "move your money", but rather it is important to look at your options, especially during a crisis such we are all in today. The reason we hear "horror" stories is du...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~531593.aspx10/8/2008 9:36:28 AMMatt Benore Are you protecting your most valuable asset, "YOU"? If not, what are you waiting for? If you are, have you provided adequate protection? Even with the chaos in the market, since Life Insurance is based on Mortality, the fact that we are living longer, our medical technology improves and cost ...http://denver.yourhub.com/Arvada/Blogs/Archive/Personal-Finance/Blog~528807.aspx10/2/2008 12:20:11 PMMatt Benore