The Year Of Two Black Fridays?

Every calendar year, the two major holidays of Christmas and Hanukkah confront us for planning our gift giving and family gatherings.    Usually, these holidays fall fairly close together in the month of December, as retailers get ready for the biggest part of the shopping year. However, just like the infrequency of total solar eclipses, sometimes the calendars don’t fall on the same cycles and Hanukkah can begin in the month of November.    This year, Hanukkah begins on the evening of Wednesday, November 27th with the first full day of Hanukkah on Thanksgiving.  The last time that happened was 1918. So, what does this mean Black Friday shoppers? For followers of Judaism, Hanukkah is an extended holiday lasting 8 nights.   The modern tradition for gift giving is to partake in a new gift each and every night.   This means as soon as Halloween costumes have been put back in the closet or thrown away in the trash, followers of Judaism will ...

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Do You Have Enough Life Insurance?

Here is the scenario.  Your husband is driving home that night on the local highway.  Out of nowhere a large truck sideswipes the car sending it reeling off the road.  After the car does a couple of flips and comes to a rest, emergency vehicles arrive on the scene only to realize that they are too late. Your husband is pronounced dead on arrival. As the chaos unveils, it is learned that the driver of the truck was heavily under the influence of alcohol at the time. He lost control of the truck driving at an excessive speed when he inadvertently hit your husband’s car sending him to an early death. As you learn more facts about the case, you decide that there is only one option.  That is to file a lawsuit against the trucking company. The big question then becomes . . . what amount do you sue for in court? Many times in the financial planning process ...

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