Let's get one thing straight before we go any further or waste each others time:
is NOT an Insurance Policy
nor is it meant to take care of everyone's
Loved ones at death.
If you believe differently, there's a problem, and we want to give you a reason to think differently!
Every individual's need for life insurance protection increases as we move toward retirement age.
The cost of an uninsured death, medical problem, or long-term care can wipe out assets that have taken you years to accumulate.
Beyond risk avoidance and reduction, there are little people can do to shelter themselves from diseases and accidents, even less from aging.
A good insurance program provides a cost-effective way to deflect the financial consequences of most potential losses.
There is an urgency to discuss life insurance protection for everyone. It is essential for the young while it's genuinely affordable. The in-between or middle ages and the older will feel the price increase and future regrets.
Young adults will find there are incredibly affordable plans available. The cost for protection is more affordable when under the age of 30 and can last your lifetime. Why wait until something far worse than CoronaVirtus rears its ugly head, and you are not protected.
Yes, it is said the older you get, the wiser you get. Well, that is as far from the truth as it gets when referring to life insurance protection costs.
Think about it, the older you get, the more health issues you may develop, now you have age and health against you. Then, the more you will wish you had prepared yourself earlier.
Don't be like the old-school world; ask someone age 50 and over what they wish they had done!
Get yourself and your family adequately insured and prepared for the future is the answer.
Don't just live day today and have your family scraping and begging for help when one dies.
Not only is GoFundMe, not an insurance policy it has become less dependable because too many people are asking for help. Where you may have gotten $100, you only get $10 because they have 9 other people begging too.
Life insurance protection of today's world offers both Living Benefits and Death Benefits. Policies now can provide tax shelter, and cash accumulation benefits more lucrative than any bank savings account you have.
Considering life protection is brilliant, it's a way to be prepared and save money and accumulate funds. It's also a way to build wealth and create an estate and a legacy for your family for many generations to come.
Let us do our job and help you help yourself.
Our Goal - No Family Left Behind.
Do you know what that means?
1. "THE FIRST LAW OF NATURE IS SELF-PRESERVATION."
When earning any income, start saving and planning your financial future immediately. This not only benefits you and your future, but you also teach your loved one's habits to build from.
Before you pay bills, you should pay yourself first. You may think you can't afford to but try it. You will find the benefit later. Develop the habit of saving a portion of your earnings before you do anything else. Start small! Keeping a little is better than saving nothing, and at the same time, you are developing an innovative habit, a moral habit, a redeemable habit. The rest of your earnings can be used for bills and other things you need or want.
2. "I'M DROWNING IN DEBT."
It's unfortunately common knowledge that most spend more than they earn. This happens when you purchase with credit cards, open loans, and borrow from family and friends. That puts you totally over the monthly budget and spending more than they earned that month. This practice will get and will keep you in debt.
Without any changes, it means more turning to credit cards, borrowing, and, yes, drowning in debt. If the cycle is not broken immediately, you set yourself up for more debt carried forward to the following months, even for years. Potentially adding fees and interest only puts you deeper in debt. Practice asking yourself if what you want to buy is genuinely something you must have? If you stop and make necessary changes now, you will turn lousy habits into good habits; then, you have a healthy new routine.
3. "SOMETIMES YOU'RE GUILTY BY ASSOCIATIONS."
People you spend time with can have a negative or positive effect, meaning they can impact your financial habits too. The thought is if they are purchasing the newest high-tech gadgets, traveling to and dining in the most delicate places, and encouraging you to do the same, this is when you must work hard to avoid temptations to keep up with them. Good time to think financially; if you encourage them to be less savvy or spend more time with friends who are more committed to building a future or a legacy, you will be more directed to save and invest. Rather than frivolously spending, you for sure will; be more likely to enhance your future financial goals.
4. "EVERYBODY'S GOT DEBTS."
All debt is not negative debt. Some debt, called good debt, can lead you to a more improved financial lifestyle, and of course, some debts can take you down the drain. A mortgage can be a good debt. A mortgage can be necessary and should increase your income when handling correctly. An educational debt could lead to employment earnings which increases you financially. If you think like an entrepreneur, you may need debt to open a business to improve your finances in the future. Hence proving all debts, you may create is not always harmful or destructive debt.
On the other hand, negative or bad debt can and will prove to be just that, "a negative debt." One of the worst debts is using credit cards to cover unnecessary spending habits. Unless you pay the credit card balance in full each month, interest will occur. You now can have numerous fees and interest on top of the original debt. Those added fees and expenses eat even more into your monthly earnings, now an even more enormous outstanding bad debt.
5. "I JUST WASN'T THINKING WHEN I BROUGHT THAT"
When it concerns your money and financial decisions, it's not a good time to shop or make any purchases during emotional moments in your life. When our emotions are running rapid, meaning we are either too happy, disappointed, or upset, we tend to feel satisfied or rewarded after making a purchase.
Our spending habits get confused when our emotions are out of balance. We easily fall into whats called spending traps when not thinking clearly. Whether you want these thoughts then or not, they rise and the essential past life habits always come into play.
Maintaining self-control when it comes to finances will bring to the surface level-headed and rational decision-making habits, rather than allowing emotional time to take over.
It is essential that you NOT allow your "How I feel right now" passion to surface. Otherwise, you know what will happen, you will find spending, investing, and saving abilities going right out the window. Never dictate your actions by feeling at the moment.
Think with wisdom and not with your emotions.
THINK WITH WIDSOM AND NOT WITH YOUR EMOTIONS
Work on the changes, and before you know it, these good habits will be hard to break.
Build New Habits, Make Them Part of Your Daily Living Standards
If you are not in the best shape now, that doesn't mean it must stay like that.
1 Don't understand how to make structural changes
2. Too proud or stubborn to ask for or accept assistance.
3. Think you know it all and don't need or want help.
4. Have the opportunity but not sure how to take advantage,
5. Do you make changes too fast or too soon.