Unexpected Income

I love it when I get an unexpected check in the mail or extra money in my paycheck. Unexpected money is a pleasant surprise. I just received more money than I expected from Royalty 7. They send my money quickly too. To get fast, "pleasant surprise" money, click here.

I Need Life Insurance but I Can't Afford It!

What are you supposed to do when you can't afford life insurance? There is no single answer for that question, but you can't afford not to have it. One solution is to create more income. With another stream of income, you can afford to protect yourself from the  inevitability of life. For your new source of income, click here.

This is Your Financial Season!

Today is the first day of the rest of your life...your financial life, that is. If you have been praying for a financial miracle, I'm here to tell you it's on the way. You may not have it in hand, but don't give up on it. Focus on what you want, now more than ever. Don't let your wallet or your bank account balance affect your focus. Those are just distractions. Remember, money flows inward and outward like the tides of the ocean. It will ALWAYS come back to you. Your money tsunami is on its way!

Weathering the Storm

Losing a loved one is tough emotionally as well as financially. The average funeral cost is close to $10,000! If you lost a close family member (i.e., a spouse or a child) would you be able to pay out of pocket for final expenses? For most of us, the answer is no. Life insurance is the answer. It will not only pay for burial costs, it will replaced your loved one's lost income. Get it today!

What's Your Money Flavor?

Does money leave a bad taste in your mouth? Of course, I don't mean that literally. What I'm really asking is how is your relationship with your money. Do you feel bitter about it? Do you feel bad when bills come in? Or are you grateful that you can pay them. It all starts with how you feel about your financial situation. Your feelings determine the outcome of your financial thoughts and actions. Have you ever made a good investment when you felt "flat broke?" Probably not.

A Great Way to Save for Retirement

Stocks and bonds are very risky investments. The riskier the  investment, the less protection you have from losing your money. CD's and savings accounts are safer investments, but the interest rates that they pay are SUPER low. The perfect balance of financial safety and competitive rates is a fixed annuity. Fixed annuities provide a guaranteed interest rate, guaranteed retirement income and a death benefit. Fixed annuity interest rates are higher than CD interest rates, savings account rates and many other investment rates.

Pay YOURSELF Before Anyone Else!

We all have bills to pay. This is nothing new. But are you rewarding yourself for all your hard work? Many of us reward the mortgage company, the electric company and the credit card company with our hard-earned dollars. But what about you? You should be paying yourself before any bills are paid. Heck, if it weren't for YOU, there would be no money to pay the bills with! So pay yourself 10% first, then everyone else after that. You are so worth it! Watch this video...

Fixed Annuities ROCK!

An annuity is a contract with an insurance company designed to create long-term savings and retirement income. It grows on a tax-deferred basis just like many other retirement plans; however, there is an added death benefit for the financial protection of your family. Interest rates on annuities are VERY competitive and you can even use them to create lifetime income starting now! Oh, did I mention the interest rate is GUARANTEED? There is no volatility or gambling with your money like other retirement plans. Is a fixed annuity right for you?

Who Needs Life Insurance?

Studies show that more than 40% of adults are under insured. You need life insurance if:
You are married
You have children
You care for elderly parents
You are unable to pay out of pocket for final expenses
Don't waste time to get your policy. The older you get, the more expensive it becomes!

STAY AWAY...PT 2

Last time, we talked about why you should stay away from car title loans (if you can). Now it's time to talk about how to create your own personal savings bank. Find a way to save your money on a tax-deferred basis, protect your money from the erosion of taxes, and borrow money FROM YOURSELF when you get in a bind. Permanent life insurance does all of those things, as well as provide for your family when you're gone. Next time I will tell you who needs life insurance.

STAY AWAY FROM CAR TITLE LOANS!!!!

Car title loans are loans given in exchange for your vehicle title as collateral. Once the loan is repaid, your car title is returned to you. If you need the money for an emergency, these loans can be very helpful to get you out of a bind. BUT do not make a habit of using them. If you can't pay your loan back, your car may be repossessed as a result. Create your own personal savings bank. Stay tuned, next time I will show you how to create yours!

The Magic of 10%

Saving 10% of your paychecks is an amazing way to create a nice nest egg. If you earn $1,000 each month, you would set aside $100 each month for savings. At the end of one year, you will have $1,200 saved! After five years, you will have saved $6,000! Not to mention the fact that your current bills will still be paid AND you will barely miss that 10%. To top it all off, you will have quick access to cash for emergencies. Think about that.

How to Survive in Hard Financial Times

Many people are living "paycheck to paycheck" nowadays. So how can one save money if there's not much left after bills are paid? Well, there's no simple answer. One solution, however, is to stage savings. Set a small monthly savings goal. Slightly increase that goal annually and watch your money seed grow into a beautiful tree!