Life Events that can happen to you

Life Events
Factors Affecting Your Life Insurance Needs :

• Having a child
• Getting married
• Buying a home
• Taking on debt
• Changing jobs
• Supporting aging parents
• Changes in your business
• Changes in marital status
• Planning for college
• Planning for retirement
If you're like most people, you probably don't take the time to routinely evaluate your life insurance needs. Why might that be a mistake? Well, your life insurance needs change as circumstances in your life change. That's why it's a good idea to re-examine your life insurance needs at least every few years and certainly when big changes, or life events, occur.

Just about any life event you can imagine will have an impact on your life insurance needs. An obvious example is having a child. As you bring a new person into the world, you also bring a major financial responsibility into your life. If something happens to you, where's the money going to come from to help provide the kind of upbringing you want your child to have?
This section will explore the major life events that might trigger the need to re-evaluate your life insurance coverage. Our Life Insurance Needs Calculator is a great resource for seeing how changes in your life, like having a child, taking on a bigger mortgage or getting a raise, might impact your life insurance needs. Once you have a general sense of your needs, you should consider meeting with a qualified insurance professional who can conduct a more thorough analysis of your needs and help tailor a plan that meets your specific financial objectives.

Having A Child
It's time to start thinking about whether to wallpaper the extra bedroom in pink or blue - your child is on the way. With your growing family, you're probably doing all you can to save and invest for the future. But is that enough?

Your children are your greatest responsibility, and life insurance can help them to grow up in a stable environment, one in which they are physically safe and financially secure, if something were to happen to you.


Getting Married
Driving away from the reception in a blue convertible with balloons flapping in the wind, you're headed for a bright future. Together, you both dream of a nice home, a good education for the kids and a comfortable retirement.

Enjoy these early carefree days, but make sure you talk to an insurance professional sometime soon, now that you're financially dependent on one another. As a married couple, you share a life together, but you also share each other's financial obligations. Life insurance can help ensure that these financial goals will be met in the tragic event that one of you were to die prematurely.

Buying A Home
When you finish signing that huge check, your realtor hands you the keys to the cutest little Victorian three-bedroom you've ever seen. Mortgage payments are a little daunting. Now, it's time to make sure you've thought ahead. What if the worst were to happen? Could your spouse manage the mortgage payments without you? What about monthly maintenance, utilities and unforeseen repairs ¨ not to mention property taxes?

Taking On Debt
These days, living with debt seems to be as American as baseball and apple pie. We rely on credit to help pay for lots of important things like a reliable car, home improvements, education expenses, vacations, etc. We also pile up sizable credit card bills to pay for everyday living expenses such as groceries, gas, clothing, entertainment, etc. The truth is, living with debt is a way of life for many of us. But that's not necessarily a bad thing, as long as you have a plan for managing your debt.

Changing Jobs
Congratulations on your new position or your big raise. You may not realize it, but when your income rises, your spending tends to rise too. If something were to happen to you, you'd probably want your family to be able to maintain their new and improved lifestyle. That's why it makes a lot of sense to re-assess your life insurance coverage whenever your income rises.
If you determine that you need additional coverage, the first thing you'll want to do is find out if your life insurance benefit through work (assuming, of course, that you have such a benefit) has increased along with your compensation. Many group plans will tie life insurance benefits to your annual income. So if you get a $5,000 raise and your company's life insurance plan will pay two times your income if you die, then your death benefit will increase by $10,000.
Due to the economic shifts, many have lost their jobs and thereby lost their insurance coverage. In some cases the company may enable you to keep your coverage for the term it was issued for; unfortunately what most people don’t know is that it then becomes a decreasing term. What that means after a certain amount of years your death benefit decreases for each subsequent year until it’s no longer in force. Your loved ones will have no coverage in place. Consult an insurance agent to review what your current coverage needs are.
In lieu of Life Insurance Awareness month we want to share how our living insurance can help your family when you need cash. Let’s setup a time to discuss how we can provide an individual plan that can meet your specific needs and budget.

The Slow Poisoning of America

God's Garden:
Have you wondered what are natural health alternatives to prescription drugs? I do. Why is it that doctors are so quick to prescribe over-the-counter drugs verus educating us on how to take care of ourselves longterm using all natural remedies. I've attached a list for your review, share your input on what natural remedy has helped you and for what diagnois.

http://www.manataka.org/page1429.html

Post your comment so that others will benefit from your experience.
In hundred of studies around the world, scientists were creating obese mice and rats to use in diabetes or diet test studies. These creatures are NOT naturally obese so they had to create them. They inject them with MSG at birth.
MSG triples the amount of insulin in the pancreas causing rats or mice (in humans) to become obese. The name given to these rodents are "MSG-Treated Rats" Check your cupboards and refrigerator, I'll bet you'll be amazed how many products contain this chemical.
Here's a few items that I found: Campbell's soup, ketchup; Betty Crocker Hamburger Helper; Swanson frozen meals, Heinz gravy

5 Tips Employers Won't Tell You....

5. Age is not just a number:

Some companies offer policies that allow mature workers to change jobs within the company, transfering them to a lower position. This enables the mature worker to stay employeed and engage in a new challegne and possibly become a mentor for a newer or younger employee.
Be confident.

4. Manners need to be mindful:

Many times when going for an interview, you're called to wait. This is a tactic that may determine whether or not you get hired. How do you handle yourself with this inconvenience? Do you; use your cell phone, have a snack, show your impatience or read your favorite novel? Remember someone is watching.

3. Watch your words:

What we say is vital. But more importantly how we say it is as equalling important. The old addage, "Practice makes perfect" is very true. Words not to say in an interview: uhh, umm, whatever, you know, it's like, and, and. Be yourself, stay cool.

2. Hobbie habits:

Whether it's fair or not, how you use your spare time is weighed into your chances of being hired. If your habit doesn't contribute to the position opt out of mentioning it.

1. The devil is in the details:

If fail to plan, your plan will fail. Competition is so thick now, it's difficult to stand out from the crowd. So you have to go that extra mile. Do some homework before your interview. Find out some pernent facts about the industry, company or individual you are going to meet with.

Happy hunting!

Can you retire...ever?

Do you know what happens to your benefit if you retire early?

Do you know how much money you need in order to retire?

• 25% of unmarried women over 65 have no other source of income to live on other than Social Security. Almost 50% of American women will never be able to retire and 60% of minority women will have to continue to work after age 65, never able to retire.
• If you start your benefits early, your benefits are reduced permanently.
• Your benefit is reduced about one-half of one percent for each month you start your Social Security before your full retirement age. For example, if your full retirement age is 65 and 10 months and you sign up for Social Security when you are 62, you would only get 75.8 percent of your full benefit. (Source: Social Security Administration)
• To learn about what your retirement needs are; click here