Need Life Insurance?

For many people, their first experience with life insurance is when a friend or acquaintance gets an insurance license. In my case, a college friend, recently hired by a major insurance company, contacted me (along with all of his other friends) to buy a $10,000 policy underwritten by his company. Unfortunately, however, this is how most people acquire life insurance – they don’t buy it, it is sold to them. But is life insurance something that you truly need, or is it merely an inconvenience shoved under your nose by a salesperson? While it may seem like the latter is true, there are actually many reasons why you should purchase life insurance. Reasons to Buy Life Insurance As I grew older, got married, started a family, and began a business, I realized that life insurance was indispensable and fundamental to a sound financial plan. Over the years, life insurance has given me peace of mind knowing that money would be available to protect my family and estate in a number of ways, including: 1. To Pay Final Expenses The cost of a funeral and burial can easily run into the tens of thousands of dollars, and I don’t want my wife, parents, or children to suffer financially in addition to emotionally at my death. 2. To Cover Children’s Expenses Like most fathers, I want to be sure my kids are well taken care of and can afford a quality college education. For this reason, additional coverage is absolutely essential while my kids are still at home. 3. To Replace the Spouse’s Income If my wife had passed away while the kids...

Need Insurance?

Need Insurance for Your New or Used Vehicle? Other Insurance We Provide: Auto & Vehicle – Auto – Motorcycle – RV – Boat   Homeowners & Renters – Homeowners – Renters – Flood – Fire   Life, Health & Travel – Life – Health – Medicare Supplement – Travel Insurance is tricky. It’s not like buying a chair or a shirt or groceries. When you buy insurance, you’re buying a promise. It’s a promise that if something catastrophic happens to your business, your carrier is going to assist you to make your business whole again. Sometimes, though, it’s tempting to question the value of insurance because it is an intangible product. Let’s back up and take a big-picture view of why insurance matters. Here are seven reasons why insurance is important. What more would you add? 1.) Insurance Keeps Commerce Moving In the days after the 9/11 attacks, there were many worries about insurance coverage. Acts of war are not covered by insurance. Was terrorism an act of war? The big question was, How would the 9/11 attacks be classified? Fortunately, the insurance industry decided the attacks were not an act of war. However, after 9/11, some insurers began excluding terrorism. But the federal government stepped in and required coverage in the name of keeping commerce moving. In this case, insurance likely prevented many businesses from avoiding terrorist-targeted operations, such as refineries and chemical haulers. 2.) Lenders Require Insurance This reason is tied to No. 1. Lenders require that you have insurance. Think about it: Mortgage lenders want proof of insurance before you buy or build a new building. In short, to get the money your business needs to keep...

Clean Up the Clutter

Got Clutter? Do You Need Home Cleaning Service? Would You Like to Find Out Just How Much it Cost Just to Clean Up Your Home? Do You Have Piled Up Garbage that Needs to Be Taken Away? Is Your Carpet a Mess? Call Now 855-548-2380 Luckily, a great benefit of living with less is … less cleaning and organizing. By living with less, I don’t have to search for my things, reorganize drawers, and closets or shuffle papers. It’s no secret that I don’t enjoy cleaning or organizing things. Luckily, a great benefit of living with less is … less cleaning and organizing. By living with less, I don’t have to search for my things, reorganize drawers, and closets or shuffle papers. There are many ways to simplify your life and decluttering helps you set the stage by giving you more time and space to take the next steps. 1. Tiny Tasks to Declutter Your Home Try these tasks once a month, in addition to your other decluttering efforts. You don’t have to do all of them, but choose a few that resonate with you to be part of your adventure in discovering a simpler, clutter-free life. 2. I Got Rid of the Toys If you have young children, this experiment is for you. 3. Let Go of Sentimental Items with a Victory Lap If you are struggling to let go of sentimental items, you are not alone. I resisted that category of clutter for years, because as a sentimental person, everything felt sentimental. It all had meaning to me. Things still feel sentimental to me, but now it’s mostly moments, glances, rising new...