Behind the scenes with Lamar Odom
Behind the scenes with Lamar Odom -
Most of the time I am a marketer of life insurance mild-mannered, hard working on my laptop in the tranquil limits my home office in New Jersey. No agitation. No glamor. No lights.
But one day each year, all that changes. Suddenly, I find myself surrounded by lights and sometimes the fans swooning. I am in the presence of celebrity. Yes, it is my annual pilgrimage to Hollywood to shoot a video with the new spokesperson for Life Insurance Awareness Month.
The setting of the session this year was a gymnasium of the high school in the San Fernando Valley, an appropriate place considering that our new spokesperson is twice NBA champion Lamar Odom. We're showing that we would do the filming that day, but school officials knew and students were abuzz in anticipation of the arrival of one of their local heroes. Some waited nearly two hours to catch a glimpse of Lamar. Finally, an elegant white Mercedes pulls up with dark tinted windows. He parked, but no one emerges for a while. Lamar ends a call. Then it comes to wearing the sweatsuit coolest people I know. Kids are giddy with excitement. Lamar sign autographs and pose for a few photos, but then it's time to get to work.
We start from a conference room to discuss the plan for the afternoon. Lamar could not be nicer. He sits in the chair of a director having little makeup applied by makeup artist who works with the entire Kardashian clan. He said that it can take up to several hours for each of the women Kardashian ready for their public appearances and taping sessions. But the guys are much easier. In 10 minutes, Lamar is ready to go. It changes quickly in a black suit looking smart, blue shirt and tie, and head to the gym for recording.
There's just one thing we need to do before you start. Entertainment Tonight has requested an interview with Lamar to talk about public service announcement (PSA) campaign and other things going on in his life. Lamar gives them a glimpse of what he will communicate in its public service messages. The journalist also slips in a question about reports that he and Khloé are trying to conceive. You can watch the clip here and.
Then it's time to focus on life insurance.
The recording session works very well. Lamar is passionate in his belief of the importance of life insurance. His public appeal comes from its very personal story of loss at a young age: "My mother worked hard to give me the opportunity to live up to my potential. But unfortunately it never got to see me grow up to be the person I am today. My mother died of colon cancer when I was 12 years old. Things could get difficult for me, but my mother made sure that did not happen. Life insurance gave me the foundation to move forward in my life and it can do the same for your family. "We only need a few takes for each segment, and there is an envelope on the public service announcement Lamar.
Lamar sign some T-shirts Lakers and glossy photos for us to give during life insurance awareness Month. We say our goodbyes. he leaves the gym and students are still waiting for him. he posed for some photos and autographs of the signs, then it's off.
My brush once a year with fame is over. time to take home red eyes.
Most of the time I am a marketer of life insurance mild-mannered, hard working on my laptop in the tranquil limits my home office in New Jersey. No agitation. No glamor. No lights.
But one day each year, all that changes. Suddenly, I find myself surrounded by lights and sometimes the fans swooning. I am in the presence of celebrity. Yes, it is my annual pilgrimage to Hollywood to shoot a video with the new spokesperson for Life Insurance Awareness Month.
The setting of the session this year was a gymnasium of the high school in the San Fernando Valley, an appropriate place considering that our new spokesperson is twice NBA champion Lamar Odom. We're showing that we would do the filming that day, but school officials knew and students were abuzz in anticipation of the arrival of one of their local heroes. Some waited nearly two hours to catch a glimpse of Lamar. Finally, an elegant white Mercedes pulls up with dark tinted windows. He parked, but no one emerges for a while. Lamar ends a call. Then it comes to wearing the sweatsuit coolest people I know. Kids are giddy with excitement. Lamar sign autographs and pose for a few photos, but then it's time to get to work.
We start from a conference room to discuss the plan for the afternoon. Lamar could not be nicer. He sits in the chair of a director having little makeup applied by makeup artist who works with the entire Kardashian clan. He said that it can take up to several hours for each of the women Kardashian ready for their public appearances and taping sessions. But the guys are much easier. In 10 minutes, Lamar is ready to go. It changes quickly in a black suit looking smart, blue shirt and tie, and head to the gym for recording.
There's just one thing we need to do before you start. Entertainment Tonight has requested an interview with Lamar to talk about public service announcement (PSA) campaign and other things going on in his life. Lamar gives them a glimpse of what he will communicate in its public service messages. The journalist also slips in a question about reports that he and Khloé are trying to conceive. You can watch the clip here and.
Then it's time to focus on life insurance.
The recording session works very well. Lamar is passionate in his belief of the importance of life insurance. His public appeal comes from its very personal story of loss at a young age: "My mother worked hard to give me the opportunity to live up to my potential. But unfortunately it never got to see me grow up to be the person I am today. My mother died of colon cancer when I was 12 years old. Things could get difficult for me, but my mother made sure that did not happen. Life insurance gave me the foundation to move forward in my life and it can do the same for your family. "We only need a few takes for each segment, and there is an envelope on the public service announcement Lamar.
My brush once a year with fame is over. time to take home red eyes.
Wealth Cure
Wealth Cure -
I do not normally write messages on book reviews, but I recently read a book by Hill Harper hit home for the readers of our blogs. Hill Harper, a New York Times bestselling author and star of the television series CSI: NY, released his fourth book This is a book on financial literacy, but not in the traditional sense "The Cure wealth. ".
This book is to be responsible for your own actions and your attitude to life's problems, both financial and emotional, and helps you understand your personal wealth factors.
After being diagnosed with thyroid cancer, Harper took a train trip cross country to Chicago for solitude and time to reassess his life and value propositions. Hill points out that true wealth is not always money, but your friends, your family, your health and your happiness factor. Money in itself does not guarantee happiness, but as the saying Hill, it does help to have your financial world works correctly with little or no debt.
In essence, the book emphasizes that we are responsible for our own actions and how we react to situations which we are exposed. We need to look at the problems that the opportunities for improvement. It is how we react to these issues that will determine our happiness factor.
Harper walks us through his emotions and reactions to the diagnosis of cancer and how it enabled him to rethink and re-evaluate its relationship and personal goals. This book is not for people looking for a quick and easy solutions. It is for those who want to take control of their lives, make the tough decisions and take appropriate action on those decisions.
I do not normally write messages on book reviews, but I recently read a book by Hill Harper hit home for the readers of our blogs. Hill Harper, a New York Times bestselling author and star of the television series CSI: NY, released his fourth book This is a book on financial literacy, but not in the traditional sense "The Cure wealth. ".
This book is to be responsible for your own actions and your attitude to life's problems, both financial and emotional, and helps you understand your personal wealth factors.
After being diagnosed with thyroid cancer, Harper took a train trip cross country to Chicago for solitude and time to reassess his life and value propositions. Hill points out that true wealth is not always money, but your friends, your family, your health and your happiness factor. Money in itself does not guarantee happiness, but as the saying Hill, it does help to have your financial world works correctly with little or no debt.
In essence, the book emphasizes that we are responsible for our own actions and how we react to situations which we are exposed. We need to look at the problems that the opportunities for improvement. It is how we react to these issues that will determine our happiness factor.
Harper walks us through his emotions and reactions to the diagnosis of cancer and how it enabled him to rethink and re-evaluate its relationship and personal goals. This book is not for people looking for a quick and easy solutions. It is for those who want to take control of their lives, make the tough decisions and take appropriate action on those decisions.
What is a legacy? Remember Steve Jobs biography
What is a legacy? Remember Steve Jobs biography -
Apple CEO Steve Jobs was released yesterday; his biographer, Walter Isaacson speaks frankly genius of Mr. Jobs here. I watched with respect and wonder how people around the world reacted to his death. More than a million people from all over the word shared their memories and feelings about Mr. Jobs on the Apple website.
There was certainly an innovator, and the products that Apple sells contributed to an easier and more enjoyable way of life for many people. I am even typing this blog on my iPad.
However, it was just a man.
It reminds me of how people reacted when Elvis Presley died. Here in my hometown of Memphis, people come from all over the world every year to celebrate the anniversary of Elvis' death. We call this week "Dead Elvis week." I have to wonder if Apple fans will do the same for the anniversary of the death of Mr. Jobs.
The famous and influential people have this effect on others.
However, the real question is: How are you will remember your family and friends? Of course, things like souvenirs, caring friends and faith are all important and likely to help ease the emotional trauma your family will feel when you, like Steve Jobs is no longer with us.
But most mere mortals that I know do not have the financial wealth that Steve Jobs had, so how we plan for "life after the financial death" our aura family is absolutely essential.
life insurance serves this purpose better than any other product I know.? I know, you think life insurance
Do not think that the insurance life is ... think about what he not
life insurance finance future permits to pursue dreams and maintains families in their homes and their schools of choice. It replaces lost income, provides peace of mind, allowing time to adjust, and, if I may put it bluntly, even creates your financial legacy.
Legacies last forever. Will yours be one of comfort, convenience and financial security for your family? Or other able to tell your lack of planning by the changes your family might be forced to do because all they have is memories and friends and caring neighbors, but not the financial capacity to maintain their way of life? Does your family want? Do you feel they need?
Call your financial advisor today if you want to know how to use life insurance to fund your financial legacy.
Apple CEO Steve Jobs was released yesterday; his biographer, Walter Isaacson speaks frankly genius of Mr. Jobs here. I watched with respect and wonder how people around the world reacted to his death. More than a million people from all over the word shared their memories and feelings about Mr. Jobs on the Apple website.
There was certainly an innovator, and the products that Apple sells contributed to an easier and more enjoyable way of life for many people. I am even typing this blog on my iPad.
However, it was just a man.
It reminds me of how people reacted when Elvis Presley died. Here in my hometown of Memphis, people come from all over the world every year to celebrate the anniversary of Elvis' death. We call this week "Dead Elvis week." I have to wonder if Apple fans will do the same for the anniversary of the death of Mr. Jobs.
The famous and influential people have this effect on others.
However, the real question is: How are you will remember your family and friends? Of course, things like souvenirs, caring friends and faith are all important and likely to help ease the emotional trauma your family will feel when you, like Steve Jobs is no longer with us.
But most mere mortals that I know do not have the financial wealth that Steve Jobs had, so how we plan for "life after the financial death" our aura family is absolutely essential.
life insurance serves this purpose better than any other product I know.? I know, you think life insurance
Do not think that the insurance life is ... think about what he not
life insurance finance future permits to pursue dreams and maintains families in their homes and their schools of choice. It replaces lost income, provides peace of mind, allowing time to adjust, and, if I may put it bluntly, even creates your financial legacy.
Legacies last forever. Will yours be one of comfort, convenience and financial security for your family? Or other able to tell your lack of planning by the changes your family might be forced to do because all they have is memories and friends and caring neighbors, but not the financial capacity to maintain their way of life? Does your family want? Do you feel they need?
Call your financial advisor today if you want to know how to use life insurance to fund your financial legacy.
What I have done without my LTCI?
What I have done without my LTCI? -
Donna had the chance to follow the footsteps of his sister. His older sister had bought an insurance policy for long term care, and though Donna was only 56, she thought becomes the cover was a good idea, too.
She also had experience with it. His sick aunt had made great use of his care insurance policy long term, but because she had bought at an age of 80-year peak, premiums had been raised.
Get care insurance long term at a younger age felt like a smart financial move, and he also helped put the spirit of Donna comfortable, since she lived alone. She obtained a policy which provided a cash benefit per day, which meant that it would cover the family and friends who provide care for her at home if it has never been necessary.
She did not know that even before reaching retirement, she would be drawing on its long-term care insurance benefits.
Donna went to the hospital for a partial knee replacement and came out of surgery with a fractured tibia. The doctors knew something more serious was wrong. In fact, Donna was then diagnosed with Turner syndrome, a degenerative bone disease.
She was able to continue working as a nurse, but not as a staff nurse. She took the intermittent time for several more surgeries and recover from diseases related to his illness. His care insurance benefit long term helped to pay for care while she was on sick leave, and continued for a few months after her return to work to cover the salaries and the journey in question. She said it was "tremendous help financially."
Finally, her illness took its toll, and Donna found himself unable to continue working. She now lies in its provision of long-term care more more than her disease progresses. in comfort is the fact that although family and friends continue to help her, she is able to pay them for their time, effort and gas thanks to its long-term care insurance benefits. "I really do not know what I would have done without this benefit," she said.
In addition, now that Donna receives benefits of its policy, it does not have to pay the premium for it, due to extra rider she had set up.
Donna could not know in 56 years how it will rely on its long-term care insurance. And if she had waited until her 60s to buy it, it would have been too late. That's the catch-you can not buy coverage after you discover that you need.
We can not all have an older sister to count on good advice, but we can all tap into the expertise of a knowledgeable financial advisor. Do not hesitate to set up your concerns about how you will pay for long term care. As Donna said, "You can not afford to go without long-term care insurance."
Donna had the chance to follow the footsteps of his sister. His older sister had bought an insurance policy for long term care, and though Donna was only 56, she thought becomes the cover was a good idea, too.
She also had experience with it. His sick aunt had made great use of his care insurance policy long term, but because she had bought at an age of 80-year peak, premiums had been raised.
Get care insurance long term at a younger age felt like a smart financial move, and he also helped put the spirit of Donna comfortable, since she lived alone. She obtained a policy which provided a cash benefit per day, which meant that it would cover the family and friends who provide care for her at home if it has never been necessary.
She did not know that even before reaching retirement, she would be drawing on its long-term care insurance benefits.
Donna went to the hospital for a partial knee replacement and came out of surgery with a fractured tibia. The doctors knew something more serious was wrong. In fact, Donna was then diagnosed with Turner syndrome, a degenerative bone disease.
She was able to continue working as a nurse, but not as a staff nurse. She took the intermittent time for several more surgeries and recover from diseases related to his illness. His care insurance benefit long term helped to pay for care while she was on sick leave, and continued for a few months after her return to work to cover the salaries and the journey in question. She said it was "tremendous help financially."
In addition, now that Donna receives benefits of its policy, it does not have to pay the premium for it, due to extra rider she had set up.
Donna could not know in 56 years how it will rely on its long-term care insurance. And if she had waited until her 60s to buy it, it would have been too late. That's the catch-you can not buy coverage after you discover that you need.
We can not all have an older sister to count on good advice, but we can all tap into the expertise of a knowledgeable financial advisor. Do not hesitate to set up your concerns about how you will pay for long term care. As Donna said, "You can not afford to go without long-term care insurance."
Are you part of the 40 percent?
Are you part of the 40 percent? -
In a recent LIMRA survey of Americans not yet retired, 40% said they currently save no money each month towards retirement .
The LIMRA research indicates that fewer future retirees will have to pay pensions for living expenses and will rely on personal savings to finance their retirement. Without a significant change in saving behavior, many Americans will not have enough money to afford to retire.
The survey also found that 19% have not yet retired adults usually save less than $ 100 a month, while 27% saving $ 100-499 per month. . Even those who have a family income of $ 50,000 or more, a significant proportion-42% -are either a savings of $ 100 or less, or nothing, monthly
Looking at the pre-retirees, results are not much better: 41% of pre-retirees are not set aside money for retirement and just over a fifth (21%) of pre-retirees save less than $ 100 per month.
People may think they are just going to keep working until they die, but research LIMRA shows that 56% of retirees retired before they should and 43 % were unintentional. So the timing of retirement can not be theirs.
Plans sponsored retirement employer, such as 401 (k), 403 (b), etc., are an easy way for employees to save taxes on retirement -free. LIMRA's study revealed that many Americans who have access to one of these plans do not take full advantage of tax deferred savings.
Although 55% of adults surveyed do not contribute at all to a plan sponsored by the employer, of those that do, 48% contribute less than 5% of their annual income. Overall, more than 20% less women contribute to their pension plan sponsored by the employer than men (39% against 50%). In addition, the survey found that women are more likely than men to contribute at least 3% of their income (19% against 13%, respectively).
The good news is, despite the weak economy, only 12% of plan participants reduced their rate of contributions during the past year; 24% increased the amount saved and 64% have kept their same contribution.
As indicated LIMRA, educate people about the benefits of systematic savings is essential. For more information on how to reach your savings and retirement goals, contact your personal consultant or agent or visit here.
In a recent LIMRA survey of Americans not yet retired, 40% said they currently save no money each month towards retirement .
The LIMRA research indicates that fewer future retirees will have to pay pensions for living expenses and will rely on personal savings to finance their retirement. Without a significant change in saving behavior, many Americans will not have enough money to afford to retire.
The survey also found that 19% have not yet retired adults usually save less than $ 100 a month, while 27% saving $ 100-499 per month. . Even those who have a family income of $ 50,000 or more, a significant proportion-42% -are either a savings of $ 100 or less, or nothing, monthly
Looking at the pre-retirees, results are not much better: 41% of pre-retirees are not set aside money for retirement and just over a fifth (21%) of pre-retirees save less than $ 100 per month.
People may think they are just going to keep working until they die, but research LIMRA shows that 56% of retirees retired before they should and 43 % were unintentional. So the timing of retirement can not be theirs.
Plans sponsored retirement employer, such as 401 (k), 403 (b), etc., are an easy way for employees to save taxes on retirement -free. LIMRA's study revealed that many Americans who have access to one of these plans do not take full advantage of tax deferred savings.
Although 55% of adults surveyed do not contribute at all to a plan sponsored by the employer, of those that do, 48% contribute less than 5% of their annual income. Overall, more than 20% less women contribute to their pension plan sponsored by the employer than men (39% against 50%). In addition, the survey found that women are more likely than men to contribute at least 3% of their income (19% against 13%, respectively).
The good news is, despite the weak economy, only 12% of plan participants reduced their rate of contributions during the past year; 24% increased the amount saved and 64% have kept their same contribution.
As indicated LIMRA, educate people about the benefits of systematic savings is essential. For more information on how to reach your savings and retirement goals, contact your personal consultant or agent or visit here.
How can I find peace of mind on your travels - Tips from a Pro
How can I find peace of mind on your travels - Tips from a Pro -
We travel a lot as a small family of four - a lot. We schlep somewhere in the country at least once a month, mini carry-ons and comfort blankets for children in tow. At least once a year we do a major pilgrimage to a place really out of our comfort zone, like last summer when we traveled by train through Eastern Europe for a month. It took us a few years to really get the process of packing the kids just right, and it is only now that they are both a little older, I do not have to remember to pack seven kinds of snacks for an airplane trip. But the most important thing I can do is make an emergency plan
Before the luggage is packed and plants watered one last time, my husband and I do something far less glamorous .: calling a brother-in-law to make sure he knows where all the important documents in case of emergency. While my husband and I do not travel together without children, very often, we always travel as we do just so we're safe. We update our list of beneficiaries, and make sure the executor of our will know where it is located and how to get to any problems. In case. God forbid something should happen to one of us in the middle of Europe where we need to get important documents and one at home knows what we're talking about.
Here is a list of basic things to take care of before you leave home:
We travel a lot as a small family of four - a lot. We schlep somewhere in the country at least once a month, mini carry-ons and comfort blankets for children in tow. At least once a year we do a major pilgrimage to a place really out of our comfort zone, like last summer when we traveled by train through Eastern Europe for a month. It took us a few years to really get the process of packing the kids just right, and it is only now that they are both a little older, I do not have to remember to pack seven kinds of snacks for an airplane trip. But the most important thing I can do is make an emergency plan
Before the luggage is packed and plants watered one last time, my husband and I do something far less glamorous .: calling a brother-in-law to make sure he knows where all the important documents in case of emergency. While my husband and I do not travel together without children, very often, we always travel as we do just so we're safe. We update our list of beneficiaries, and make sure the executor of our will know where it is located and how to get to any problems. In case. God forbid something should happen to one of us in the middle of Europe where we need to get important documents and one at home knows what we're talking about.
Here is a list of basic things to take care of before you leave home:
- Project will: it must not be as detailed as you'll ever leave, but something is better than nothing. Date him, have notarized, and put it somewhere very safe.
- In that determination, the list of beneficiaries of your assets. My husband and I are not the largest collection of wealth, but we do not want to leave the state to decide who gets what when we die.
- Also list what will happen to your children in the will. If you have not had this horrible conversation is now time. There really is not a good way to do this, simply sit down and decide who goes where before you walk from your door; nothing is as important as deciding what will happen to your children should something terrible happen to you and your spouse
- Get a bank in room safe. even if you buy the cheapest available box, you want somewhere safe and out of your home for really important papers to live. Put the key somewhere even safer.
- Put a copy of all your insurance policies in a safe. Make sure a friend or family trust knows the safe and its contents in case of emergency.
- Make copies of passports, birth certificates, insurance policies, mortgage statements and medical records to store in the trunk.
- Put someone in charge of watching your house. Whether or not they remain on the property and care for children, make sure that someone is on your property at least twice a day by taking the paper off the porch, electronic control, recovery packages and turn lights on and off.
- Set up self-pay bills or take care of them during the period of time you'll be away. Nobody wants to come home from a lovely holiday in a notice of termination to the front door.
Do not make resolutions-Take Action!
Do not make resolutions-Take Action! -
A new year is a clean slate. Enjoy the fresh start taking steps that will help you build a better future.
Many people will tell you they do not have time to plan. I say you do not have time to do not. The bottom line is: Life happens. We tend to focus too much on tomorrow and not enough today.
Many Americans have taken steps to save for retirement. And while it important, it should not be at the expense of overlooking the risks that we live every day. What would happen to your retirement plans if you become disabled for a long period of time? What if a major source of income in your family died suddenly?
The loss of revenue from one of these situations could have a major impact on your retirement savings and can leave your family in a financial hole they can not recover. My mother always told me "prepare for the worst but expect the best."
So what are you gonna do?
Here are some quick steps you can put into play today to help you make a difference to the financial future of your family:
1. Be protected.
Stop sitting on the fence. There is no good time, so just do it now.
See what your disability insurance plan is working, if any, and how additional disability insurance can get help if you were to become disabled and unable to work .
life insurance purchase to protect your family. There are many affordable options, including term life insurance. But do not count out to protect your family on the basis of what you think can afford one. Do your homework and talk to a financial professional confidence that can help suggest solutions.
If you buy insurance, be cautious consumer and ask questions about the protection of policy add-ons called jumpers. Riders may give you additional benefits and to increase the peace of mind that if something goes wrong, there is another option that will help you maximize your insurance coverage. For example, a "waiver of premium" drivers means that the company pays the premium of life insurance should you become totally disabled. Some riders are free, but many are available at an additional cost.
2 . repay your debt.
Create a debt reduction strategy for high-interest credit card debt. and stop charging. one of the biggest budgeting mistakes people make is not having paid their debt retirement. Start now and stick with it.
3. Start saving.
successful investors use the concept to first pay every time they receive a paycheck. Check with your employer to see if a portion of your paycheck can be automatically deposited into one or more savings accounts and leave the building.
The sooner you learn to pay you, you will be better in the long run. By starting early, the power becomes a formidable ally in the growth of wealth, and it also opens the way for the construction of that three to six months of advisors emergency salary schemes recommended in case you lose your job.
What do you expect?
A new year is a clean slate. Enjoy the fresh start taking steps that will help you build a better future.
Many people will tell you they do not have time to plan. I say you do not have time to do not. The bottom line is: Life happens. We tend to focus too much on tomorrow and not enough today.
Many Americans have taken steps to save for retirement. And while it important, it should not be at the expense of overlooking the risks that we live every day. What would happen to your retirement plans if you become disabled for a long period of time? What if a major source of income in your family died suddenly?
The loss of revenue from one of these situations could have a major impact on your retirement savings and can leave your family in a financial hole they can not recover. My mother always told me "prepare for the worst but expect the best."
So what are you gonna do?
Here are some quick steps you can put into play today to help you make a difference to the financial future of your family:
1. Be protected.
Stop sitting on the fence. There is no good time, so just do it now.
See what your disability insurance plan is working, if any, and how additional disability insurance can get help if you were to become disabled and unable to work .
life insurance purchase to protect your family. There are many affordable options, including term life insurance. But do not count out to protect your family on the basis of what you think can afford one. Do your homework and talk to a financial professional confidence that can help suggest solutions.
If you buy insurance, be cautious consumer and ask questions about the protection of policy add-ons called jumpers. Riders may give you additional benefits and to increase the peace of mind that if something goes wrong, there is another option that will help you maximize your insurance coverage. For example, a "waiver of premium" drivers means that the company pays the premium of life insurance should you become totally disabled. Some riders are free, but many are available at an additional cost.
2 . repay your debt.
Create a debt reduction strategy for high-interest credit card debt. and stop charging. one of the biggest budgeting mistakes people make is not having paid their debt retirement. Start now and stick with it.
3. Start saving.
successful investors use the concept to first pay every time they receive a paycheck. Check with your employer to see if a portion of your paycheck can be automatically deposited into one or more savings accounts and leave the building.
The sooner you learn to pay you, you will be better in the long run. By starting early, the power becomes a formidable ally in the growth of wealth, and it also opens the way for the construction of that three to six months of advisors emergency salary schemes recommended in case you lose your job.
What do you expect?
Problems and solutions
Problems and solutions -
This is the season of holiday house: A time when we reassess what we have done over the past year and determine what we need to do next year; a time to watch the "if." I spent too? Have I saved enough? What happens if I become ill or disabled? What happens if I die? My family will be protected? My children will be able to go to university?
These are just some of the questions we must ask ourselves, and if we do not like the answers, it's time to take positive action to correct the problem. Problems and solutions. The problems that I listed in the above questions all have a solution with a final cost. The cost can be adjusted to your cash flow and financial position. This is what the agents and financial advisors are working with you to help you solve these problems. These professionals can guide you through the process of decision making, but you must take action and implement the recommended solutions.
Think of the problems. Consider the solutions. Pick up the phone and call your agent / advisor today. If you do not, you can click here to find one in your area.
This is the season of holiday house: A time when we reassess what we have done over the past year and determine what we need to do next year; a time to watch the "if." I spent too? Have I saved enough? What happens if I become ill or disabled? What happens if I die? My family will be protected? My children will be able to go to university?
These are just some of the questions we must ask ourselves, and if we do not like the answers, it's time to take positive action to correct the problem. Problems and solutions. The problems that I listed in the above questions all have a solution with a final cost. The cost can be adjusted to your cash flow and financial position. This is what the agents and financial advisors are working with you to help you solve these problems. These professionals can guide you through the process of decision making, but you must take action and implement the recommended solutions.
Think of the problems. Consider the solutions. Pick up the phone and call your agent / advisor today. If you do not, you can click here to find one in your area.
Life insurance is now mandatory!
Life insurance is now mandatory! -
In the recent article "The Case for Demanding life insurance," Brian Fechtel outlines some points that should make you think. And while the concept of legally mandating the life insurance property can be exaggerated, I ask readers to think about these questions:
Although it is currently not mandatory for you to purchase a life insurance policy, it is mandatory for you to take responsibility for yourself and your loved ones. Start by determining how much life insurance you may need with this calculator. And make sure you follow through and purchase protection. Contact your insurance agent, or if you do not, you can click here to find one in your area.
In the recent article "The Case for Demanding life insurance," Brian Fechtel outlines some points that should make you think. And while the concept of legally mandating the life insurance property can be exaggerated, I ask readers to think about these questions:
- What if the new parents were proof of life insurance before taking their babies to the hospital (as they must have a car seat). If parents must present proof of "fiscal responsibility"?
- What if applicants in wrongful death suit were allowed to collect from a guilty party for an amount equal to the life insurance of the deceased had his / her life other words: a third party should not have to pay your heirs more than you think your life is worth.
- Do you wear excessive amounts of liability insurance in case you get sued? If you protect yourself by liability insurance, protect your family with a similar amount of life insurance?
- Why the families of the victims of 9/11 have their "payment" reduced the amount of life insurance they? Fact: Those who had taken steps to protect their families actually received less than those who did nothing.
Although it is currently not mandatory for you to purchase a life insurance policy, it is mandatory for you to take responsibility for yourself and your loved ones. Start by determining how much life insurance you may need with this calculator. And make sure you follow through and purchase protection. Contact your insurance agent, or if you do not, you can click here to find one in your area.
Planning Ahead: Comprendre le coût réel des soins de longue durée
Planning Ahead: Comprendre le coût réel des soins de longue durée
Do vous connaît le véritable coût des soins de longue durée
Chances sont, comme la plupart des consommateurs, l'impact financier des soins de longue durée peut venir comme un choc lorsque la situation se présente. Et selon le Centre national pour Long Term Care Information, there,Äôs une chance de 70 pour cent que vous (ou un autre membre de la famille) seront confrontés à ce scénario peu après 65 ans de
Mais selon l'étude Genworth , au-delà de Dollars: l'impact réel d'entraide à long terme, près de la moitié des bénéficiaires de soins avait pas envisagé la possibilité d'avoir besoin à long terme des résultats care,Äîan qui peut être causée par une maladie physique prolongée, le handicap ou la déficience cognitive sévère
.
Lorsque cela se produit, les options d'assistance versées (et leurs coûts médians nationaux selon le coût Genworth 2012 Sondage sur les soins) comprennent:
non rémunéré Caregiving
membres de la famille étape souvent à la plaque, avec 87% fournissant des soins à un membre de la famille immédiate, tandis que 37% des bénéficiaires de soins ont été transférés dans une maison du participant de la famille pour une période de temps, selon l'étude Dollars Beyond. Mais même la prestation de soins de la famille vient avec un coût price,Äîboth dollar depuis, même avec assurance, il y a des dépenses hors-poche et aussi, Äúhidden costs,Äù en termes de temps, d'énergie, impact sur les autres relations familiales et obligations professionnelles.
coûts directs et indirects de Caregiving
Selon l'étude, la moyenne des bénéficiaires de soins de quantité passer hors de leur poche pour leurs propres soins (non compris le coût des soins en établissement) peut au total 14 000 $, avec les membres de la famille qui contribuent 8.000 $.
Mais l'impact financier doesn,Äôt arrêter là. Plusieurs fois, les caregiver,Äôs travaillent vie souffre, avec près d'un cinquième des personnes interrogées signaler une perte directe de possibilités de carrière, tandis que 44% ont dû réduire leurs heures, ce qui a eu un effet néfaste sur leur revenu.
Mais la prestation de soins isn,Äôt juste un calcul dollars et en cents claire. L'impact se répercute dans tous les aspects de la vie caregiver,Äôs, en particulier concernant les autres relations familiales. Avec les soignants ayant moins de temps et d'énergie à consacrer à leurs conjoints et enfants, ces relations peuvent éprouver un stress important. Avec 42% des aidants naturels ayant déclaré que le besoin de soins de membre de la famille a vécu avec eux pendant trois ans ou plus (24% ont été la prestation de soins pendant plus de huit ans), l'effet à long terme can,Äôt être refusée.
Qu'est-ce que pouvez-vous faire maintenant pour aider à réduire l'impact sur vous-même et votre famille sur la route? Commencez par vous renseignant sur le coût des services de soins de longue durée, les options de couverture pour les soins de longue durée et l'assurance de soins de longue durée ici. Vous pouvez également cliquer ici pour un guide de 8 pages gratuitement à l'assurance de soins de longue durée de la Fondation sans but lucratif VIE.
Ensuite, discutez de vos options avec votre famille avant que le besoin se fait sentir. Avoir un plan en place réduit everyone,Äôs stress, et permet à toutes les parties concernées à élaborer des stratégies pour couvrir différents scénarios.
Enfin, tirer parti des informations et des ressources fournies par les organismes de prestation de soins, tels que la famille nationale de Caregivers Association et l'Alliance nationale pour les proches aidants.
Chances sont, comme la plupart des consommateurs, l'impact financier des soins de longue durée peut venir comme un choc lorsque la situation se présente. Et selon le Centre national pour Long Term Care Information, there,Äôs une chance de 70 pour cent que vous (ou un autre membre de la famille) seront confrontés à ce scénario peu après 65 ans de
Mais selon l'étude Genworth , au-delà de Dollars: l'impact réel d'entraide à long terme, près de la moitié des bénéficiaires de soins avait pas envisagé la possibilité d'avoir besoin à long terme des résultats care,Äîan qui peut être causée par une maladie physique prolongée, le handicap ou la déficience cognitive sévère
.
Lorsque cela se produit, les options d'assistance versées (et leurs coûts médians nationaux selon le coût Genworth 2012 Sondage sur les soins) comprennent:
- les services autorisés d'aide familiale (18 $ / heure)
- services assistant de santé à domicile sous licence ($ 19 / heure)
- adulte soins de santé de jour (61 $ / heure)
- centre de vie assistée (3,300 $ / mois)
- de la maison de soins infirmiers ( $ 0- $ 222 / jour)
non rémunéré Caregiving
membres de la famille étape souvent à la plaque, avec 87% fournissant des soins à un membre de la famille immédiate, tandis que 37% des bénéficiaires de soins ont été transférés dans une maison du participant de la famille pour une période de temps, selon l'étude Dollars Beyond. Mais même la prestation de soins de la famille vient avec un coût price,Äîboth dollar depuis, même avec assurance, il y a des dépenses hors-poche et aussi, Äúhidden costs,Äù en termes de temps, d'énergie, impact sur les autres relations familiales et obligations professionnelles.
coûts directs et indirects de Caregiving
Selon l'étude, la moyenne des bénéficiaires de soins de quantité passer hors de leur poche pour leurs propres soins (non compris le coût des soins en établissement) peut au total 14 000 $, avec les membres de la famille qui contribuent 8.000 $.
Mais l'impact financier doesn,Äôt arrêter là. Plusieurs fois, les caregiver,Äôs travaillent vie souffre, avec près d'un cinquième des personnes interrogées signaler une perte directe de possibilités de carrière, tandis que 44% ont dû réduire leurs heures, ce qui a eu un effet néfaste sur leur revenu.
Mais la prestation de soins isn,Äôt juste un calcul dollars et en cents claire. L'impact se répercute dans tous les aspects de la vie caregiver,Äôs, en particulier concernant les autres relations familiales. Avec les soignants ayant moins de temps et d'énergie à consacrer à leurs conjoints et enfants, ces relations peuvent éprouver un stress important. Avec 42% des aidants naturels ayant déclaré que le besoin de soins de membre de la famille a vécu avec eux pendant trois ans ou plus (24% ont été la prestation de soins pendant plus de huit ans), l'effet à long terme can,Äôt être refusée.
Qu'est-ce que pouvez-vous faire maintenant pour aider à réduire l'impact sur vous-même et votre famille sur la route? Commencez par vous renseignant sur le coût des services de soins de longue durée, les options de couverture pour les soins de longue durée et l'assurance de soins de longue durée ici. Vous pouvez également cliquer ici pour un guide de 8 pages gratuitement à l'assurance de soins de longue durée de la Fondation sans but lucratif VIE.
Ensuite, discutez de vos options avec votre famille avant que le besoin se fait sentir. Avoir un plan en place réduit everyone,Äôs stress, et permet à toutes les parties concernées à élaborer des stratégies pour couvrir différents scénarios.
Enfin, tirer parti des informations et des ressources fournies par les organismes de prestation de soins, tels que la famille nationale de Caregivers Association et l'Alliance nationale pour les proches aidants.
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