Just thought you would want to know - for the parents in a family like this, $ 1 million of term life insurance could costs less per month than an extra large pizza with all of the toppings. Most young families are woefully uninsured in life insurance. $1 million of life insurance will replace about $30,000 in income for 30+ years. So look at your salary and figure out how much life insurance you should have. If you are underinsured, give us a call, we can quickly help you obtain top quality insurance at low cost.
This is a great article. Talks about some of the most important ways you can protect you and your family. Health insurance is obvious, but equally important is providing life insurance for your family and income replacement if you are disabled. Most often company life insurance is cheaper than anything an insurance agent can provide until sometime in your 30s. Then the cost of your own life insurance policy level term insurance of 20 or more years can save you $10,000 in premiums. This is because company life insurance normally increases in costs every 5 years where as a level policy does not increase. Disability is the most the likely unexpected thing that can happen to people. Get all of the disability insurance that your company will provide. Then get your own policy to get your benefits to the highest level possible. It’s open enrollment season for many employers. Here are some things to keep in mind as you evaluate your options for 2021. It’s open enrollment season for many employers. Here are some things to keep in mind as you evaluate your options for 2021.
CNBC.COM
Open enrollment is coming up — here’s what to watch out for
Coffee is produced locally, consumed daily and today, it’s celebrated globally. Go ahead, have another cup! Coffee is produced locally, consumed daily and today, it’s celebrated globally. Go ahead, have another cup! If you ever like to sit down with your cup of coffee and discuss what you want to accomplish in life and other goals like retirement, we'd love to chat with you, give us a call.
Identity theft. Phony contact tracing. Learn how to avoid these and other COVID-19 fraud attempts and what to do if you’re a victim. Growing your wealth is important but equally important is learning how to keep what you have. The post below has some great info.
NEXTAVENUE.ORG
Real or Fake? How to Spot COVID-19 Scams
Consider five factors that could influence stock prices in the final quarter of 2020.
Wondering what to do with a 401(k) from a former employer? Together, we can assess your options and determine the best plan of action for you and your goals.
CNBC.COM
If you left or lost your job, here is what you can do with your 401(k)
Regularly rebalancing your long-term investments can help keep your risk tolerance and asset allocation aligned and keep you on track to your goals.
We would like to invite you to a WebEx that I think you will find very valuable. It is fairly short because we do not want to take too much of your time,
Please join me for “My brain made me do it,” a complimentary financial workshop designed to help you better plan for your future. This seminar explores:
ƒ How the brain reacts to emotional situations, such as making investment decisions
ƒ Some of the more common investing mistakes many people make
ƒ Actions you can take to avoid them
SPONSORED BY William Norton
FIRM Ameriprise Financial
DATE AND TIME November 5th at 11:00 a.m.
IF YOU WOULD LIKE TO ATTEND PLEASE MESSAGE ME OR COMMENT BELOW.
Videocast: Sustain financial goals amid the stock market election cycle
U.S. presidential election cycles can influence stock prices over the near-term. Our experts share insights on drivers of the economy and capital markets, including COVID-19 developments, corporate profit trends, monetary policy actions and federal policy proposals.
https://www.ameriprise.com/research-market-insights/election-2020/?cid=eCl_sr_111635
AMERIPRISE.COM
Videocast: Election impacts for investors
Together, we can track your progress and update your strategies as circumstances change. Let's work to keep you moving toward your goals, in any market conditions.
If you have taxable investments, it’s possible your portfolio could benefit from another approach. Let’s talk about the benefits and limitations of tax-advantaged investing.
Passing down your financial wisdom can be an enduring gift. What’s one tip you’d share with future generations?
FORBES.COM
Best Ways For Grandparents To Teach Grandkids About Money
Bonds can play an important role for investors who are focused on income rather than growth. But bond values are sensitive to changing interest rates. Let’s talk about ways to protect your retirement income—no matter how rates move.
If you have investments with USAA or Victory Capital and have any questions about the changes please contact me.
https://the-military-guide.com/usaa-victory-capital-and-schwab-now-what/
THE-MILITARY-GUIDE.COM
USAA, Victory Capital, And Schwab - How Will the Transition Work?
Are you scaling back your Thanksgiving celebration this year? Here’s some tips to celebrate simply – and safely – this season.
MARKETWATCH.COM
How to throw together a smaller, no-fuss Thanksgiving dinner at the last minute
Communication within families goes a long way helping prevent financial concerns. For your will or estate, sharing your plan – even at a high level – with your family can prevent future conflict.
CNBC.COM
What to tell your adult kids when planning your estate
The COVID pandemic made everyone realize how fragile health and even life is. You can be healthy one day and in a hospital the next on a respirator. Plus, we’re seeing that the COVID virus has long term effects on a number of people in their 30s and 40s. Now, I know that not many people like to talk about insurance but it’s a cheap way to protect your lifestyle and your family. During this pandemic many people are realizing that they don’t have disability insurance to replace their income or long term care insurance to pay for lengthy COVID and other illnesses. Or even life insurance to provide for their families if COVID is fatal. We can do a quick check up in all 3 of those areas. Think of it sorta like your dental check up. If you got a problem, you want to treat it and not let it get worse. So if you would like a quick check up or to chat please call, email, text, or message us and we’ll help you out.
Any of you out there with new babies? Now is the time to start thinking about funding college expenses or expenses to pay for other post high school education such as cosmetology school or culinary school. I think probably the best way to do that and save your money is, by using “529 plan.” If you don’t know what this is or would like more details, please contact us.
Is there a light at the end of the tunnel for the U.S. economy? Ameriprise Chief Economist Russell Price summarizes what could either stall or reinvigorate economic activity this year.
AMERIPRISEADVISORS.COM
The economic outlook for 2021
It’s appropriate that National Time Management Month is the shortest month of the year. This February, let’s find time to talk.
While kids can learn many beneficial financial lessons from their parents, they can also absorb negative ones. Consider these common family money mistakes and how to avoid them.
HUFFPOST.COM
12 Money Mistakes You're Teaching Your Kids
Get the personalized advice you need to envision and build a confident financial future.
