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Review Life Insurance

All consumers should have their life insurance policies reviewed if they have had them for more than a few years. Some universal life policies that were based on projections made when the economy was stronger may be “underwater” and may need more robust premium payments to sustain them over the long term. Premiums of other policies may be based on old tables measuring life expectancy. In this instance, individuals may be able to lower premium payments or increase the death benefit.

529 Plans Can Pay for Computers and Internet in 2009 and 2010

Tax free college savings plans called 529 Plans can be used to purchase computer equipment and services for an eligible student in 2009 and 2010. This change was included in the “Stimulus” bill enacted this year. Check with your plan for more details and requirements.