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Q: I’m a 35 year old non smoker making about $70,000 a year, with a wife who stays home with our two children, ages two and four. Our only major debt is the $200,000 mortgage on our home, bought five years ago for $300,000. Realistically, how much life insurance do we need? Through work, I’m covered by a policy equivalent to a year’s salary.A: Caroline Nalbantoglu of CNal Financial Planning said there’s no easy answer because of variables like current expenses, likelihood of the spouse’s return to the workforce and expected duration of the insurance settlement in the event of death.

River of the Year selection does much more than focus on attributes of the most deserving Shenango, it recognizes the Shenango River Watchers and other supporters who rallied behind it, said DCNR Secretary Cindy Adams Dunn. Annual honor recognizes not only our state wealth of rivers and streams, but also the core of dedicated folks who fight to protect them. Total of 16,494 votes were cast, with the Shenango River receiving 5,436; Buffalo Creek, 3,079; Lehigh River, 5,287; Loyalhanna Creek, 1,703; and Tunkhannock Creek, 989..

The first dose reduces symptomatic infection risk by 65 percent in younger adults and 64 percent in over 80s, according to the newspaper. After the second dose, this increases to between 79 and 84 percent dependent on age. Clinical trials suggested there would be 95 percent protection.

“The President supreme confidence in his own ability to persuade others to make a deal is now the basis for American denuclearization policy toward North Korea,” Christie wrote. “President Trump deserves great credit for daring to try to personally persuade Chairman Kim to join the family of nations. This approach holds the possibility for history making changes on the Korean Peninsula to make us all safe.”.

CLAIM: Democrats voted to fine American citizens for not buying health insurance and conspired to give it to “illegal aliens” for free. The Affordable Care Act, which originally included fines for not buying health insurance, excludes immigrants living in the country without legal permission from receiving tax credits or purchasing insurance on the ACA marketplace. “Under current rules, undocumented immigrants are not eligible to purchase coverage through the ACA marketplace,” said Samantha Artiga, vice president and director of the Racial Equity and Health Policy Program at Kaiser Family Foundation, a non partisan organization that does health policy analysis.