California8 min read
The Gap Between Finishing Work and Being Paid for It
Losing work is the risk everyone plans for. Finishing the work and waiting sixty days to be paid for it is the one that actually empties accounts.
Category
California
Articles for California residents preparing for a conversation with a licensed insurance agent.
12 articles
Articles in California
California8 min read
How Many Years, Not How Much: Planning Around a Mortgage
Households size cover against what they owe. The number that actually shapes the decision is the year the commitment stops, which almost nobody writes down.
California7 min read
When the People You Planned For No Longer Depend on You
Most planning advice is about starting. Far less is written about the moment a plan quietly stops matching the household it was built for.
California7 min read
What You Can Ask About the Information You Hand Over
Everyone reads about what an insurance conversation might cost them in money. Almost nobody asks what it costs them in information, which is the more permanent transaction.
California8 min read
Sizing a Twenty Year Commitment Against Lumpy Income
A household with project income and a long commitment is running a monthly obligation against an annual reality, and averaging the two hides the whole problem.
California7 min read
When One Job Becomes Three
Households in this position usually describe it as working more for less. The planning problem is narrower than that, and more fixable: the money now arrives on four calendars.
California8 min read
One Salary, One Irregular Income: What Changes
Two incomes arriving on different calendars is a stronger position than most households realise, and only if they calculate it the right way round.
California7 min read
When Everybody Knows a Different Part of It
The information usually exists. It is distributed across four people who have never compared notes, and assembling it is a task rather than a conversation about mortality.
California7 min read
Telling Your Adult Children What You Have Arranged
Most of what is written about this assumes an adult child raising it with a parent. Rather less is written for the parent who has done the work and now has to mention it.
California8 min read
Writing Down What You Would Rather Not Happen
Asked what they want, most people say they do not mind. Asked what they would rather not happen, the same people answer immediately and in detail.
California7 min read
Funeral Cost Planning in California
A California-focused guide to itemized prices, license checks, cemetery jurisdiction, prepaid questions, and family records.
California7 min read
Preparing for an Insurance Conversation in California
Verifying a California licence, understanding your privacy rights over what you share, and knowing what a first conversation should and should not involve.