Robert “Bob” Spike March 1, 2022
WHY BUY LIFE INSURANCE?
Bloomfield: At age 89, Bob passed away on Tuesday, March 1, 2022 at Demay Living Center in Newark, NY. He was born in Geneva, NY. Bob graduated from Bloomfield High School and went on to enlist in the Army and was a member of the 101st Airborne during the Korean War. Bob is predeceased by his parents, Fenner and Doty Breckenridge, his son, James Spike, his brother, Charles Spike and his granddaughter; Hannah Russell. Survived by his beloved wife of 33 years, Wilma Spike; his children, David (Arlene) Spike, Raymond (Pam) Myers, David (Lori) Myers, Cindy (David) Russell, Julie (Randy) Kelley; his sister, Edith Ganz ( Jerry Zimmerman); his sister-in-law, Marilyn Schall, his grandchildren, Melissa (Kris), Travis (Vicki), Jimmy, Paul, Jennifer, Brian, Abby (Chance), Phillip, Tracy, Samantha, Patrick and Carrie, and his great-grandchildren, Aiden and Avery, along with several nieces, nephews, friends. A memorial service took take place at 2PM on Saturday, March 5, 2022 at East Bloomfield United Methodist Church, 2 Park Pl. in Bloomfield, NY. A celebration of life gathering, military honors, and interment services will be announced for a future date. To share a memory or a condolence, please visit: www.doughertyfuneralhomes.com • 229-2444
Facing one’s mortality and the prospect of leaving family members behind is not always easy. Death, financial security and planning for the future are all difficult subjects, but planning ahead can make matters much easier in the long run. Life insurance needs frequently come up when making plans, and many people find that purchasing a life insurance policy is a worthwhile investment. Life insurance holds an important place in overall financial planning. One of the most apparent benefits of life insurance is that it will provide a considerable sum of cash upon the insured’s death, which can be put toward the cost of funeral arrangements, housing and dependent care. Beyond end-of-life bills and care, life insurance can offer other advantages, say the experts at Allstate Insurance Company. Life insurance can provide a family with a financial safety net. When a beneficiary is named, life insurance can serve as an inheritance for that person or people. Heirs may face estate taxes after a loved one dies, and life insurance benefits may help offset all or a portion of the costs. There may be benefits to life insurance while a person is living as well. The life insurance information site Term Life 2 Go says that, depending on the policy, life insurance can be borrowed against to pay off debt, buy a house or live off of dividends from the life insurance investment. This can provide a source of supplemental retirement income. Gateway Financial advisors say that many life insurance plans are extremely flexible and can be modified as needs change. Death benefits may be decreased if desired, and premiums can be skipped, reduced or increased. Business owners also can use life insurance policies to their advantage. Including life insurance with the list of other benefits offered to prospective employees can entice top-notch candidates. Sole proprietors may use life insurance as a business continuation plan so that insurance proceeds can keep the business in the black until it is sold or a replacement owner is found. Shopping for life insurance requires careful research and an understanding of the products available. Consumers should have a thorough understanding of term and whole life policies, what premiums will cost, what the death benefit will pay, and if there are any living benefits. For example, living benefits may cover some costs for chronically or terminally ill people.
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Working with an experienced life insurance advisor can help people navigate the types of policies available to them. THE BENEFITS OF PREPLANNING YOUR FUNERAL Preplanning provides time to make the best decisions. Men and women who preplan their funerals have ample time to decide just what they want their memorial services to be like and how they want to fund those services. Men and women trusted to make those decisions upon the death of a loved one will need to make those decisions more quickly and likely won’t be in the correct frame of mind to make decisions that will honor their loved one’s legacy.
Gluten-Free Irish Soda Bread 1 cup brown rice flour 2/3 cup buttermilk 1/3 cup tapioca flour 6 tablespoons melted butter 1/3 cup potato starch 1 tablespoon honey 1 teaspoon xanthan gum 1 egg, beaten 1 teaspoon baking powder 1/2 cup raisins or currants, 1/2 teaspoon baking soda soaked in hot water for 10 minutes 1/2 teaspoon unflavored gelatin 1/2 teaspoon nutmeg Preheat oven to 350ºF and line a standard loaf pan or baking dish with parchment paper. In a large bowl, combine all dry ingredients until wellincorporated. In a second bowl, stir together buttermilk, butter, honey, egg and soaked raisins. Hollow out a small well in the dry ingredients and slowly pour in the wet mixture. Stir until combined and sticky. Form into a loaf and transfer to baking pan. Cook for 35-40 minutes until a knife inserted in the middle comes out clean. Let cool and remove from parchment-lined dish. Page 28
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FRIDAY, MARCH 11, 2022
