Edwards Family Empowerment

  There are two types of life insurance, Term and Permanent.  Three types of permanent insurance are Whole Life, Universal Life, and Variable Universal Life.   The recommended type of insurance is Term Life Insurance.  You pay what is called a premium for the insurance policy that you select.  When you choose the Term Life Policy, you receive more value from the premiums you pay than with Permanent Life Insurance Policy. With a Term Life Policy, you can lock in a premium from anywhere between 1 to 30 years depending on the policy. The only thing you must remember is that your premium can increase when it is time to renew it. It is typically recommended that you obtain coverage when you are younger, and lock in an affordable rate at that time. The older you are, the higher the premiums are. Whole Life is a popular form of Permanent Insurance, that Dave Ramsey does not recommend. It is sold as a cash value policy. This means that as you pay your premiums the policy accumulates value. You

Jesse Edwards The Southern Migrant By Renardo Edwards There are people whom are a living history and a bridge from the past to the present and one of those people is our very own Family Patriarch, Jesse Edwards. Jesse is the third child of Cora and Thomas Edwards he was born on December 21 1941 in Potter Station, Alabama. Jesse early childhood was one of a happy child even though he was raised in the Jim Crow south. Family was very important in those days much of one’s socialization and education was formed in a tight knit family village, listening to him reminisce how they all live and work together was something of amazement and wonder. Gone are those days. Jesse has an injured shoulder sadly an injury he had involving my dad and cousin Mary, to think that he fell off a wagon and suffered and injury that bad but he refused to tell his parents to get better medical help, this showed me the toughness this man had even as a little child.  1940’s Alabama was a different time this was bef

  Your first step should be to get a will.  There are websites you can visit to obtain a will for a fee.  Another option is www.freewill.com.  This website allows you to draft a simple will for free.  You can take the will to a notary (located at banks, libraries, or, if you are in the military, a legal office). If you use the freewill.com website, remember that you need to have it notarized and signed by several witnesses before it can be considered legal.  Your next step should be to get term life insurance. There are several types of life insurance. I will discuss the other types in the next article and why you should avoid them. A lot of people have insurance from their jobs. Having insurance while you are working at your job is a good thing. Many companies offer very affordable insurance policies. However, you should not rely on their insurance alone.  You need your own personal insurance policy, so that in the event that you are offered another job, or you lose your current job,