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Uninsured RX

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Tag: Advice

Product Description

Author, Kimberly Lankford, receives over 500 questions per month from her loyal readers.   Kiplinger’s Ask Kim for Money Smart Solutions is a fantastic resource for all of their personal finance questions, delivered in Kim’s non-threatening, non-condescending manner.  Many people are looking for a comprehensive guide to personal finances, but very few of the books out there cover the topic in such an approachable way – focusing specifically on the questions that real people are concerned about. Ask Kim is a comprehensive personal finance guide — covering every area of interest to potential readers.
 
The book is broken down into several broad topics, and then covers all of the basics in a Q&A format. Like she does with her column, Kim will use real readers’ questions but will focus on topics of interest to everyone and broaden the answers so they go into more detail than she is able to cover in her columns.
 
 
 
 

Kiplinger’s Ask Kim for Money Smart Solutions: Straightforward Advice to Help You Buy Your Home, Pay Your Taxes, Assess Your Insurance Needs, Plan for … Your Money Last in Retirement

Product Description
In determining asset allocation, individuals must consider more than the risk-return trade-off of financial assets. They must take into account human capital and mortality risk in the earlier life-cycle stages and longevity risk in the later life-cycle stages. The authors show how to integrate these factors into individual investors’ asset allocations through a systematic joint analysis of the life insurance a family needs to protect human capital and how to allocate the family’s financial capital. The proposed life-cycle model then addresses the transition from the accumulation to the saving phases-in particular, the role (if any) of immediate payout annuities.

Lifetime Financial Advice: Human Capital, Asset Allocation, and Insurance