David Babecki, Author at DB3 Insurance Services

15 Feb 22

Inflation Crisis

By now all of us have experienced the historic inflation that’s been part of our lives over the past year. From food to gasoline to housing and cars, no one has been exempt from the inconvenience of higher prices. And with the report this morning (2/10/22) that inflation has surged…

14 Jan 22

New Year, New Start?

Congratulations, you made it through another year of challenges and obstacles! The fact that you’re reading this hopefully means you successfully navigated yet another year of Covid, product and/or labor shortages and lately, inflation. Regardless of if it was one or all of these factors, you are to be commended…

22 Nov 21

What Exactly Is A DROP Plan?

If you’re a First Responder or Teacher, the opportunity for retirement may be earlier for you than those in other professions. It’s a well-deserved benefit, since by its nature, these vocations are deemed “public service” professions, in which the welfare of others is placed above your own. So when the…

03 Nov 21

So You’ve Refinanced Your Mortgage…

First off, congratulations! The positive impact of refinancing at today’s low rates AND (if you pulled cash out to pay off your debts) not having multiple credit card, auto loan and other associated debt bills arriving in your mailbox (and/or inbox) each month is a true emotional lift. The start…

23 Oct 21

Why Now Is THE Time To Pay Off Your Debt

If you’ve been to the store lately or filled up your gas tank, you were undoubtedly shocked when it was time to pay. Gasoline and food, the two consumables we cannot do without, have increased dramatically over the past year. Pretty much everything else has as well, from construction materials…

21 Sep 21

September is Life Insurance Awareness Month

September is Life Insurance Awareness Month (sponsored by LIMRA, ie: Life Insurance Marketing and Research Association) and you’re forgiven if it hasn’t exactly filled you with excitement. After all, who wants to celebrate the eventuality of their own demise? Most of us would rather celebrate a birthday, a raise or…

25 Aug 21

So Who’s Afraid of Long Term Care?

If you raised your hand or silently said “me”, congratulations, you’re not alone. There’s one type of insurance most people will go out of their way to avoid discussing and Long Term Care (LTC) is it. Since we all know our lives will not go on indefinitely, life insurance discussions…

09 Aug 21

Should You Pay Off Your Mortgage?

When I talk to people about debt, many frequently state they don’t have any, telling me they don’t have any credit card debt or student loan debt. I congratulate them on having neither, but then ask about auto loans and if they have a mortgage. Their answers are striking, but…

16 Jul 21

Using the Cash Value in a Key Person Policy

Two posts ago I wrote about Key Person insurance and how it can protect the business (and business owner’s family) by having the company buy life insurance on the Key Person. Upon the death of the Key Person (usually the owner, but really defined as the primary “decision maker” of…

02 Jul 21

Can Your Business Survive Without You? (Part 2: Partnerships)

Last week I wrote about Key Person insurance and how it can protect the business via insuring the sole proprietor or “Key People” (decision makers). With so many businesses being started in 2021 (or restarted), utilizing such a strategy can and should be a part of any business continuity plan.…

David Babecki

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