David Babecki, Author at DB3 Insurance Services

28 Jun 21

Can Your Business Survive Without You, The Key Person? (Part 1)

One of the topics I like to bring up to business owners is business succession. You’ve worked long and hard building your brand (sometimes decades), gaining customers and expanding your business. You think in terms of five or ten-year plans, on where you’d like your business to be while navigating…

20 Jun 21

Real Options: How to get rid of Student Loan Debt

Student loan debt is probably the very definition of the nine hundred pound elephant in the room. Over 43 million Americans owe a total of $1.6 trillion, with an average of $29,000 per graduate for Bachelor’s degrees. The numbers only go up from there, with Graduate school debt averaging $71,000,…

24 May 21

Frothy Markets: What’s the Harm in an Ever-Rising Stock Market?

Unless you’ve been living on a deserted island somewhere in the South Pacific, you know the equity markets have been on a tear since late March 2020. The S&P 500 alone made a gain of approximately 89% earlier this month to around 4230, up from approximately 2230. And while insurance…

05 May 21

Beat the Bank: Fund Big Ticket Purchases without Taking Out a Loan

“Are You 100% Sure You’re Going To Have A Great Retirement Or Do You Have Some Doubt?” is the opening tagline of Your Family Bank, one of the companies I utilize in my practice. If you’re like me, this simple question hit hard because it can encompass many different aspects…

23 Apr 21

Low Yields All Around; Where Can You Find Income And Lower Volatility For A Stress-Free Retirement?

Chances are your parents had a nice, fat (defined benefit) pension to live off of when they reached their golden, retirement years. If a worker from the ’40s through the ’70s worked at the same company for a certain number of years, they were probably rewarded handsomely with monthly pension…

19 Apr 21

Explaining Debt: The nine-hundred pound elephant in the room that no one wants to acknowledge…

Welcome to my blog, from which I’ll be writing a weekly article that I hope will be of interest to you! If you’ve connected with me via LinkedIn or Facebook, I thank you and will strive to respect your time by writing about subjects of value. So, let’s get to…

David Babecki

Can Your Business Survive Without You, The Key Person? (Part 1)

Real Options: How to get rid of Student Loan Debt

Frothy Markets: What’s the Harm in an Ever-Rising Stock Market?

Beat the Bank: Fund Big Ticket Purchases without Taking Out a Loan

Low Yields All Around; Where Can You Find Income And Lower Volatility For A Stress-Free Retirement?

Explaining Debt: The nine-hundred pound elephant in the room that no one wants to acknowledge…

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