Wednesday, October 12, 2011
Tuesday, October 11, 2011
Life Insurance Education
The right protection
Which is right for you? Most families need life insurance to protect their standard of living, but choosing the right plan to fit your needs can be a challenge.
Term Life Insurance: provides a benefit when the insured dies while the policy is still in force.
Cash Value life Insurance: often combines a death benefit with an investment program managed by the insurance company.
How much do you need?
Although everyone’s situation is unique, many experts recommend purchasing life insurance coverage equal to 5-10 times your gross income. Be sure to also consider the assets you own and your debt load when deciding how much coverage to buy.
Make the right choice for your family
Purchasing life insurance is an important decision. However you decided to protect your family, make sure you get the right coverage from a company you can count on. Do you understand the differences between term and cash value insurance?
Cash Value Life Insurance Buy Term & Invest the Difference
Life Insurance and investments are bundled Life Insurance and Investments are separate
together
Higher initial premium for same coverage Lower initial premium for same coverage
Purchasing the needed coverage for your Can purchase more coverage to protect family
Family can be cost prohibitive because term life insurance is generally more affordable
Sometimes yields a lower rate of return on Market rate of return on investment (10% average)
Investment portion. For example: a traditional
whole policy might yield an average rate of
return generally less than 5% per year.
Borrowing from your policy reduces the face Withdrawing money from your investments has no
amount available at death. If you borrow too effect on your term life insurance face amount because
much money, it may cause the policy to lapse, your investments are separate. Taxes are usually due on
at which time you would owe taxes on the gains the gain if your investment.
that are part of the loan.
Investing in a case value policy is not the same You can invest your savings in a retirement plan (401K)
as investing in a retirement plan such as an IRA that may have a tax advantages.
Or 401K account.
Designed so that upon death, you receive your Upon death, your family receives the face amount of
face amount of coverage, but not your face of your term insurance plus your investments.
amount plus your cash value, in most cases.
Which is right for you? Most families need life insurance to protect their standard of living, but choosing the right plan to fit your needs can be a challenge.
Term Life Insurance: provides a benefit when the insured dies while the policy is still in force.
Cash Value life Insurance: often combines a death benefit with an investment program managed by the insurance company.
How much do you need?
Although everyone’s situation is unique, many experts recommend purchasing life insurance coverage equal to 5-10 times your gross income. Be sure to also consider the assets you own and your debt load when deciding how much coverage to buy.
Make the right choice for your family
Purchasing life insurance is an important decision. However you decided to protect your family, make sure you get the right coverage from a company you can count on. Do you understand the differences between term and cash value insurance?
Cash Value Life Insurance Buy Term & Invest the Difference
Life Insurance and investments are bundled Life Insurance and Investments are separate
together
Higher initial premium for same coverage Lower initial premium for same coverage
Purchasing the needed coverage for your Can purchase more coverage to protect family
Family can be cost prohibitive because term life insurance is generally more affordable
Sometimes yields a lower rate of return on Market rate of return on investment (10% average)
Investment portion. For example: a traditional
whole policy might yield an average rate of
return generally less than 5% per year.
Borrowing from your policy reduces the face Withdrawing money from your investments has no
amount available at death. If you borrow too effect on your term life insurance face amount because
much money, it may cause the policy to lapse, your investments are separate. Taxes are usually due on
at which time you would owe taxes on the gains the gain if your investment.
that are part of the loan.
Investing in a case value policy is not the same You can invest your savings in a retirement plan (401K)
as investing in a retirement plan such as an IRA that may have a tax advantages.
Or 401K account.
Designed so that upon death, you receive your Upon death, your family receives the face amount of
face amount of coverage, but not your face of your term insurance plus your investments.
amount plus your cash value, in most cases.
Do you know your FIN NUMBER?
Do you know your FIN number?
Most women don't know what their FIN number is or even what FIN means. FIN - Financial Independence Number. How can you plan for your future or retirement if you don’t know how much it’s going to take to retire and stay retired? Do you want to be one of those grandparents who can’t spend time with their grandchildren because they have to leave and go to work? Not having enough in your retirement savings to be able to be free to spend time however you feel like spending it.
I help women learn about their FIN and become debt free, properly protected and financially independent with a customized, complementary and confidential financial needs analysis.
Customized because everyone has different needs; so a standard analysis wouldn’t work for everyone.
Complementary because we feel why should you pay for something you need and if you’re in debt already we don’t want to cause you any more distress. Ten minutes of your time and we can have you on a plan that works for you.
Confidential because we aren’t like other companies who believe in selling your name and number to anyone. All of the companies that we work with are all affiliated with us. Everything stays in our house to protect your house.
With a financial needs analysis we gather all your information together and develop a plan to help you eliminate any debt you may have, properly protect your income and plan for your retirement.
Most women don't know what their FIN number is or even what FIN means. FIN - Financial Independence Number. How can you plan for your future or retirement if you don’t know how much it’s going to take to retire and stay retired? Do you want to be one of those grandparents who can’t spend time with their grandchildren because they have to leave and go to work? Not having enough in your retirement savings to be able to be free to spend time however you feel like spending it.
I help women learn about their FIN and become debt free, properly protected and financially independent with a customized, complementary and confidential financial needs analysis.
Customized because everyone has different needs; so a standard analysis wouldn’t work for everyone.
Complementary because we feel why should you pay for something you need and if you’re in debt already we don’t want to cause you any more distress. Ten minutes of your time and we can have you on a plan that works for you.
Confidential because we aren’t like other companies who believe in selling your name and number to anyone. All of the companies that we work with are all affiliated with us. Everything stays in our house to protect your house.
With a financial needs analysis we gather all your information together and develop a plan to help you eliminate any debt you may have, properly protect your income and plan for your retirement.
How Money Works
How Money Works
Introduction
Today’s society it is consumer driven. We are bombarded with advertisements when we watch TV, listen to the radio or surf the net. Companies spend millions on research to determine how we think, shop, and live our everyday choices at the mall or grocery store mean billions to their bottom line. It’s easy to see how these natural forces of free commerce can distract us from our financial goals. And even lead us into debt. Courses in money management are practically non-existent in public schools, and every day advertisers persuade our children that spending is a virtue.
If we don’t stop and examine our beliefs about money, then establish a step-by-step plan for achieving our goals the American Dream will remain just that – a dream!
What it Takes
If you’re like most Americans you probably know very little about personal finance. You probably spent months or years training for your profession, and now you’re too busy earning an income to learn how to manage money. Perhaps you think long term security is impossible on your income. But no matter what your income level, you can achieve financial security – if you take the time to learn a few simple principles about how money works. Armed with this simple, yet powerful information, you can begin to make independent choices that will help you reach your long-term goals.
Introduction
Today’s society it is consumer driven. We are bombarded with advertisements when we watch TV, listen to the radio or surf the net. Companies spend millions on research to determine how we think, shop, and live our everyday choices at the mall or grocery store mean billions to their bottom line. It’s easy to see how these natural forces of free commerce can distract us from our financial goals. And even lead us into debt. Courses in money management are practically non-existent in public schools, and every day advertisers persuade our children that spending is a virtue.
If we don’t stop and examine our beliefs about money, then establish a step-by-step plan for achieving our goals the American Dream will remain just that – a dream!
What it Takes
If you’re like most Americans you probably know very little about personal finance. You probably spent months or years training for your profession, and now you’re too busy earning an income to learn how to manage money. Perhaps you think long term security is impossible on your income. But no matter what your income level, you can achieve financial security – if you take the time to learn a few simple principles about how money works. Armed with this simple, yet powerful information, you can begin to make independent choices that will help you reach your long-term goals.
Monday, September 5, 2011
Become Debt Free, Properly Protected and Financially Independent.
I have a program designed for womenpreneurs, moms, single moms, women retiring, stay at home moms, and women going through a divorce. Teaching them to empower themselves by offering them financial education, products and services which will lead them to financial freedom.
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