How to Borrow Money from YOURSELF!

It is so easy to borrow money when financial times get tough. Banks, title loan centers, payday loan centers and other lenders are eager to loan you money. That is all fine and dandy until it's time to start paying them back. You ALWAYS pay back more than you borrowed--sometimes considerably more. Well, there is a way to cut out these modern-day loan sharks and borrow money from yourself. How, you ask? Your whole life insurance policy is one of your best sources of emergency money. You can borrow money from your own policy and pay it back just like a loan from a bank. But here's the difference:

• Banks and other lenders have higher annual percentage rates
• You can borrow from your policy as many times as you want
• YOU earn interest on the money you borrow*
• Your loved ones don't have to pay the loan back if you are no longer here
• NO CREDIT CHECK!!!

There are more benefits, but these should be enough!

My Craziest Insurance Appointment

I have met some wonderful people in my four years of being a life insurance agent. I have also met some crazy people. Here's one scenario: I set an appointment over the phone with a young lady I had never met. She seemed very excited about putting life insurance on herself and her retired parents. On the morning of the appointment, I felt great! I arrived at her house 15 minutes early as I was eager to meet her and assess her insurance goals. As I stepped onto the front porch, just before ringing the doorbell, I knew something wasn't quite right. I heard a man and a woman arguing on the inside. I rang the doorbell anyway and the woman's father answered the door. I walked inside and the young woman was sitting on the couch with her arms tightly folded. I introduced myself and stated my purpose for being there. Before I could finish my sentence, her father abruptly interrupted me and said "we won't be needing your services." I was confused. The woman became enraged. She started to violently rock back and forth on the couch with heavy breathing. Suddenly, she shouted at her father "you can't keep me in this house forever! I'm getting out of here!" I thought to myself "what the hell???" As the woman and her father continued their volatile argument, I inched closer to the front door. I kindly excused myself and sprinted to my car. As it turns out, the woman was schizophrenic, on disability and could not even care for herself. Now I try to listen for clues to see if a wack-job is trying to set an appointment with me.

Why Should I Buy Life Insurance for my Children?

Children can greatly benefit from life insurance. A good policy can help you save for your children's college education. It is very inexpensive and builds cash value that can be taken out and used to pay college tuition costs. In addition if your child becomes seriously ill, your insurance will help cover medical expenses alongside your health insurance. Get life insurance on your kids today because the younger they are, the cheaper the monthly payments. Also if you get it while they're young, the more time you will have to create a handsome nest egg for your precious little ones.

Why Should I Buy Life Insurance?

If you are married or have children, you need life insurance. Think about this: Your spouse or child becomes completely disabled or seriously ill and the hospital bills are piling up. How will you pay them? If your spouse or child passed away, do you have nearly $10,000 for final expenses AND hospital bills? Probably not. Life insurance will pay for medical expenses while your loved one is still alive to ensure the very best medical care. It will also replace your spouse's lost income by sending you money every month if he or she were to die. If you don't have life insurance, get it while you're still young. The younger you are, the more affordable it is. Remember, we are not promised tomorrow.

Benefits of Whole Life

Whole (or permanent) life insurance protects you and your family from financial loss due to death.  The policy protects you for your entire life, no matter how long you live.  This type of life insurance is more expensive in your younger years but is usually less expensive during your golden years.  Your insurance payments on whole life policies have two main purposes:  (a) to protect your loved ones from financial loss if you passed away or became terminally ill,  (b) to create a built-in money saving account within your policy.  This is money you can borrow from yourself [while you are still living] in order to pay for medical expenses, buy a house or pay college tuition.  With some whole life policies, the insurance company will even pay you handsome interest on the balance of your cash value.  Whole life is said to be suitable for seniors.  Universal whole life is also suitable for younger people seeking safer investments opportunities with special tax advantages.

Perm v Term

Life insurance is financial protection against the loss of a life. It can be used to pay for final expenses, medical expenses, college tuition and more. Whole life insurance (aka permanent insurance) covers your life from the time you purchase a policy until the day you die ( as long as you pay your monthly premium). It is more expensive for younger adults than term insurance; however, it is usually less expensive than term for seniors. Term insurance is life insurance for a specific period of time: usually 5, 10, 15, 20, 30 or 40 years. Once the term ends, so does your policy. At that point you will need to be re-insured unless you have enough money in your estate to pay all your final expenses. Rates for both term and whole life are based upon your age, gender, height/weight, medical history and other factors.  Remember the older you get, the more expensive both insurances will be for you.  Don't delay, get your life insurance today.  Your life is worth it!

Gratitude Creates Blessings

It is always important to be thankful for what you already have. Being grateful attracts more things to be grateful for. I am thankful and appreciative to have found Royalty 7. I love getting checks in the mail on a regular basis. Click here to start getting your checks in the mail.

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!

How to Treat Your Money Like Inventory

Stockpile your money. Make your money earn more money for you. Use safer investments like IUL's, fixed annuities, and CD's to get your money stockpile growing. Make money your slave! Oh, what a hard-working slave it will become for you!

IUL's: MONEY MAKING MACHINES!!!

I.U.L. stands for Indexed Universal Life insurance policy. They are whole life insurance policies. The insurance company puts part of your premiums (monthly payments) in safer investments. Thus, get this, paying you interest on your money. Not only do you earn money on these policies, the money you earn will also begin to earn money for you. All while having life protection! I have a policy with a company that pays me a higher interest rate than any bank or CD interest rate I have ever seen! Of course, I know a good policy when I see one. Let me help you choose the right policy for you. (Virginia and Ohio residents only)

Just Been Paid!

Just been paid is an HYIP. HYIP stands for high yield investment program. Invest your money and earn up to 2% daily rate of return. How would you like to earn money every day by doing very little work? For more information, click here.

Does Money Find You Sexy?

Does money flow to you unexpectedly and when you need it most? If so, that means you have given off the "money vibe." Being open to new money- making opportunities will cause you to be irresistible to money. It will follow you everywhere! Click here to start putting out the money vibe today.

How to Change Your Relationship With Money

Did you know you can change your relationship with money? Instead of feeling bad when you don't have enough, try appreciating what you DO have. You will begin to attract more unexpectedly. To start attracting more today, click here

How to Become a Lender

There's an old saying, "He who borrows becomes a slave to his lender."  This old addage is so true.  As long as you borrow money, your lender will always control some portion of your money.  Instead of borrowing money, start lending money.  Savings accounts, life insurance and annuities are great places to start.  They borrow your money to fund their business, then pay you back with interest.  Click here for more income producing strategies.

How to Start Saving More Money

It is so hard to save money when there is so much debt all around us.  One thing you can do is to start setting aside 10% of every paycheck for savings.  No matter what bills may arise, DON'T TOUCH IT!  (Unless of course there is an extreme emergency...a shoe sale at Macy's is NOT an emergency)  In one year, those 10% installments will add up to be quite a nest egg.  In year two, increase your savings to 12%.  Each year thereafter, increase your savings percentage by 2-4% and you will really see your money grow.

P.S.  Saving 10% of your paycheck is not as hard as you think...trust me, I know.  To supercharge the interest earnings from your savings, click here.

Peace & Blessings,

Ms. Q.

How to Earn Money From Home

Lots of people want to work from home these days.  With so many scams and gimmicks, it's supremely important to get all your ducks in a row before signing on for any new "at home" work endeavor.  Firstly, be sure to do your homework.  Find out what others are saying about this new opportunity.  Take all reviews with a grain of salt.

Peace & Blessings,

Ms. Q.

Money Monday!

Today is an AWESOME day to earn money.  Whether you work an hour of overtime at your job or you clock in at your second job, be grateful that you are earning extra money.  I have been earning extra money online and I am so excited about it.  I have found an online "money-making machine."  I have been able to create enough extra income to supplement as a part-time job by doing next to nothing.  A few clicks of a button and the money just started rolling in.  There's no selling, no recruiting, no cold calling.  For information about this simple online cash-cow, click here.

Remember, multiple streams of income is how most people become millionaires.  Only a small percentage of millionaires were born with a silver spoon in their mouths.  We can be rich too!

Peace & Blessings,

Ms. Q.

Start Attracting Money Today!

Today is the first day of the rest of your life.  If you are tired of being financially "broke", then decide TODAY that you are wealthy.  I was "broke" for many years.  I couldn't understand why my friends and family always had money and I continued to struggle financially.  It wasn't until I changed my thoughts and feelings about money that I began to see a difference in my life.  I realized I was attracting debt all the time by using phrases like:

• "I can't afford that"
• "I don't have enough money/I don't make enough money"
• "I'm sick of all these bills"

Change those phrases to:

• "I want it and I deserve it"
• "I want to attract more money into my life"
• "Money is attracted to me because I'm SEXY!!!"

Changing your thoughts about money will change your relationship with money.  Money will find you irresistible and will gravitate to you.  Of course, changing your thoughts is only the first step.  In the next entry, I will share with you more steps that I used to turn my financial life around.

Peace & Blessings,

Ms. Q.
Independent Life Insurance Agent & Internet Entrepreneur