Dear Dave,
When it comes to buying life insurance, should the coverage amount be based solely on current earnings? I have good reason to believe my income is going to increase significantly soon.
Wesley
Dear Wesley,
The purpose of life insurance is to take care of your family if something unexpected happens to you. You don’t want to buy too much, but you should have enough to ensure that they’re well taken care of when you’re not here any longer.
I usually recommend people have 10 to 12 times their annual income in a good, level term life insurance policy. However, if you have a solid reason to believe your income will be jumping significantly soon, there’s nothing wrong with basing your coverage amount on that figure—if you can afford it, of course.
Understand that when I say, “solid reason,” I’m not talking about a hopeful attitude. I’m talking about something along the lines of finishing a medical residency, then making the jump to a six-figure income. That’s the kind of logical thinking and planning I’m working with here. In that scenario, or something similar, a huge jump in income is virtually assured.
Great question, Wesley!
—Dave
(Term life insurance, too?)
Word count: 267
Dear Dave,
My husband and I are wondering if we need term life insurance policies. We both have accidental death and dismemberment coverage provided free of charge through our employers. Do we need additional coverage?
Rebecca
Dear Rebecca,
Yes, you both need to find good level term life insurance immediately! Accidental death and dismemberment policies are nothing but gimmicks. You need to make sure your family is taken care of in the very best way possible, no matter how you die.
You should always have life insurance coverage that’s separate from anything an employer may offer. Think about it. You don’t want to suddenly lose coverage if you change jobs, or have to leave your place of work because you’re diagnosed with a major medical condition.
Both of you need 10 to 12 times your yearly incomes in good, level term life insurance. If you make $50,000 a year, that means you need $500,000 to $600,000 in coverage. Remember, the idea of life insurance is to take the place of income. If one of you died, the other could invest the insurance money, make 10 percent on that money over time with good mutual funds, and replace any lost income.
Term life insurance is very affordable. For just a few dollars a month you can leave your loved ones in great financial shape after you die!
—Dave
* Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 16 million listeners each week on 600 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.
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View Web Version
Worldwide Broadcast Coverage of Tour of Utah Includes
21 Hours in United States on FOX Sports Networks
Live Start-to-Finish Webcast Coverage Available All Seven Days
SALT LAKE CITY (Aug. 6, 2019) – FOX Sports Networks, which includes FS2 and FSN regional channels, will provide a total of 21 hours of programming across the United States as the broadcast partner for the 2019 Larry H. Miller Tour of Utah on Aug. 12-18. Live start-to-finish webcast coverage will be provided free of charge with Tour Tracker® powered by Adobe®, available from the Tour of Utah website. All coverage on FS2, FSN and Tour Tracker will be available in high definition.
International broadcast coverage will be provided on networks and fee-based services across five continents, including Eurosport in Europe, L’Equipe in France, and ESPN in select countries in South America. The Tour of Utah will reach more than 400 million homes around the world.
The national FS2 broadcast schedule will feature live race coverage from 6-8 p.m. MT for the Salt Lake City circuit on Friday, Aug. 16, which is Stage Four presented by America First Credit Union. The other six days of racing will be shown via tape-delayed programming in the 5-7 p.m. MT time slot. The broadcast team will feature Tour of Utah veterans Steve Brown, Todd Gogulski, Chad Andrews and Kristen Kenney.
KJZZ-TV, which serves households across Utah and parts of five other states, will broadcast a 30-minute Preview Show on Aug. 11 at 8 p.m. MT. A nightly one-hour recap show will air race week on KJZZ-TV in Utah and regionally on FSN/AT&T SportsNet (check local listings).
The Zone Sports Network will provide hourly updates on the Tour of Utah during race weekdays on Aug. 12-16. Tony Parks will anchor the radio coverage heard on The Zone (1280 AM, 97.5 FM).
Tour Tracker® powered by Adobe® returns for a ninth year for live coverage for all seven days of racing. This award-winning global web and mobile platform provides enhanced coverage with GPS race tracking and analysis for every stage. The apps are free to download for iPhone, iPad and Android mobile devices. The Tour of Utah Tour Tracker® announcers will be Frankie Andreu, former professional cyclist and Tour de France veteran, and Brad Sohner, professional sports announcer. Links to the web and mobile apps are available at www.tourofutah.com/race/tourtracker.
The Larry H. Miller Tour of Utah is free to all spectators, making professional cycling one of the most unique sports in the world today. The Tour of Utah is a 2.HC-rated stage race on the UCI America Tour and one of the prominent road cycling events that is part of USA Cycling’s Pro Road Tour. More information about the Tour of Utah can be found by visiting www.tourofutah.com, as well as social channels Facebook (tourofutah), Twitter (tourofutah), Instagram (thetourofutah) and YouTube (tourofutah).
-- tourofutah.com –
About the Larry H. Miller Tour of Utah
The Larry H. Miller Tour of Utah, referred to as "America's Toughest Stage RaceTM," is a week-long, professional cycling stage race for the best men’s teams in the world. The 2019 event will be held Aug. 12-18, covering 477 miles of racing and 37,882 feet of elevation gain. Now in its 15th year, the event was elevated in 2015 as a 2.HC-rated UCI stage race, making it one of the premier events in North America. The Tour of Utah is owned by Larry H. Miller Sports & Entertainment. More information about the Tour of Utah, host venues and professional teams can be found by visiting www.tourofutah.com.
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Live Well
Debuts Punchy New Single
"Cool Bands"
Streaming Now on Kerrang
Debut Full-Length, Perfectly Temporary,
Out September 6th, 2019
Available for Pre-Order: LiveWell.bandcamp.com
Recently featured on Substream Magazine
Yonkers, NY - August 6, 2019 - New York emo punk band Live Well has shared the second single from their forthcoming debut full-length album, Perfectly Temporary. "Cool Bands," a punchy track about wanting to feel like a part of something bigger than yourself, is streaming now exclusively on Kerrang.
On the new track, lead singer Paul Masbad shares: "This is a song I wrote about Max -- and other people in our local scene I was friends with -- and how I looked up to them as musicians / artists in bands. It comes from a place of wanting to be included in the community and wanting to feel a part of something bigger than yourself. It's one of my favorites to play because it reminds me about everyone I share the stage with and how I've looked up to them for so long."
Recorded at Lumber Yard Recording under the tutelage of Ace Enders (The Early November) and Nik Bruzzese (Man Overboard), Perfectly Temporary is set to be released on September 6th, 2019. For additional information, or to pre-order the album, please visit: LiveWell.bandcamp.com.
Live Well is an emotional punk band from the greater New York area. The band was started by Paul Masbad and Max Johl after traveling the country together in late 2017. In late April 2018 Live Well released First Demos and have been playing and writing relentlessly ever since.
With a full length completed, Live Well headed to Lumber Yard Recording studios to work with Ace Enders (The Early November) and Nik Bruzzese (Man Overboard) to record their debut album in August 2018. The band - comprised of Paul (guitar/lead vocals), Max Johl (guitar/vocals), Luis Castro (bass/vocals), and Neil Stafford (drums) - is excited to continue to share their nostalgic music and deep rooted lyrics with new fans through live shows.
Live Well are eagerly preparing to share their debut full-length album, Perfectly Temporary, out September 6, 2019. Pre-orders are available now at LiveWell.bandcamp.com .
For More Information, please visit:
Website: www.livewell.bandcamp.com
Facebook: www.facebook.com/livewellbandny
Twitter: www.twitter.com/livewellband
Instagram: www.instagram.com/livewellband
Perfectly Temporary Tracklisting:
1. Regret
2. Beach Time
3. Bed
4. Drunk
5. Coked Out
6. Lying
7. Broad Street
8. Seeds
9. No Escape
10. Drive-Thru
11. Cardigan
12. Cool Bands
