New Edition – New Price

June 26, 2013

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For those of you who are seeking detailed information on credit card processing and choosing merchant services, I have reduced the price of my e-book, The Retailers Guide to Merchant Services, from Storefront to Internet.

Detailed information on the different accounts offered, the machines, and tips to boost your profits on-line.  Get you copy today!

Support independent publishing: Buy this e-book on Lulu.

Life Insurance Needs for Single People

June 24, 2013



Many single people are under the impression that they do not need life insurance, however, even though they do not have dependents, they may have someone in their life who is dependent on them for support.

For instance, some single people may have purchased a piece of property jointly with someone else,  Often, people who co-habitate may decide to buy a house together.  In this instance, if both are contributing to the mortgage payment, and if one dies, the other would have difficulty making the payments on their own.  In this instance, each would need life insurance on the other, naming each other as beneficiaries.  This would enable the survivor to continue paying the mortgage, pay final expenses for burial, and living the life style he/she was accustomed to living before the death of the partner.

Life insurance is less expensive in the early years, and therefore, it would be beneficial for single people to purchase life insurance before a decision to marry or have children.  If they are helping to support a family member, that family member will miss the support, if the single person were to die. 

A single person may not want to leave the family with large debts upon an untimely death, especially if they saw another family member experience hardship as a result of the loss.  Therefore, if they are have outstanding college loans or mortgage payments, and want to leave the family with enough to pay their final expense benefits, they can purchase enough life insurance to cover these debts if they die prematurely.

Finally, life insurance is another way to save money on a tax deferred basis.  After three years, the whole life policy would have cash value that the single person could use to begin a retirement plan or college fund.  With variable life insurance, they could accumulate higher amounts of cash value.

The Business of Women

June 7, 2013


There will be  a seminar for women on June 15, 2013 from 9:00 am – to 3:00 pm at the Mainstay/Best Western  Inn, 15 Admiral Kalbfus Road in Newport, Rhode Island sponsored by Gail Cavanaugh’s Financial Solutions.  RSVP 401-380-7850.

The seminar will cover some of the business and financial issues that women struggle with in their businesses.  They will also learn how to protect and plan for their financial security through life insurance and annuities.

As more and more households in the U.S. are headed by women, their incomes are not adequately protected, leaving their families at risk for financial calamity.  We will discuss ways to ensure that the families are protected and that women take steps to plan for their financial futures.

For more information and to register for this event, please visit the website, The Business of Women.   Fee:  $65.00.

Please note that this event has been postponed. Feel free to visit the site and join as a member to get on the mailing list. Book to be published shortly!