Friday, December 1, 2017

Make Your Life Less “Taxing"

Make Your Life Less “Taxing”
 
How is the tax system set up and what’s the best way to save money on taxes? What will change if the proposed tax overhaul gets passed? Sandy Botkin, CPA, Attorney, Author, and CEO of the Tax Reduction Institute answers all these questions and more!  Listen to this show today!  Have a Happy Holidays!

A Living Benefits Story - Joelma Dias

Wednesday, November 1, 2017

Living Benefits Testimonial: "A Light in the Dark"



This is the most impactful Living Benefits Story I have ever heard! What a brave woman to be willing to share her story about the impact of Living Benefits in her life!
If you are paying for Life Insurance without LB, Let's Talk!
This Video Could Change Your Life!

Planning for College Costs, way better than a plan!

Thursday, October 19, 2017

Life Is a Journey: Jessica's Story

Is it time to review your life insurance?

Sometimes people tend to treat their life insurance with a "set it and forget it" attitude.  It makes sense that this would happen, after all, once you buy it you don't need to do anything...  right?

Not so fast!

Life insurance is something that you should review periodically because needs can change and insurance itself can change.  

Monday, October 16, 2017

Target, Equifax, Anthem, etc...

Make sure you are protected from identity theft, the fastest growing crime in America today.  Legal Shield is the only company out there who fully restores your credit after you are a victim of identity theft.  Make sure you are protected for less than a $1 a day.  You can offer this benefit to your employees too if you are a business owner at no Cost!  Have a great day and stay safe!

Thursday, October 12, 2017

Today's Executive Order...

What about Open Enrollment for 2018?
At this time, nothing in the EO will affect open enrollment for 2018 unless regulatory action is taken by the agencies. Until any such regulations are enacted, the ACA and all of its regulations, penalties and enforcement remain the law of the land.

Friday, September 22, 2017

Life Insurance You Dont have to die to use!

While the chances of surviving a Critical Illness such as cancer, heart attack, or stroke are greater than ever.  Living with the condition can create a severe financial hardship for many of our clients.
Traditional health insurance plans cover medical expenses such as Hospital stays, Physician’s fees and the Pharmacy bill. However, additional costs such as the insurance deductibles, child care, insurance premiums, and home health care must often be paid for by the recovering patient directly.  Please make sure you have Living Benefits, Life insurance for life!!  https://www.youtube.com/watch?v=e7t0B2oDPWE

Thursday, June 22, 2017

Travel Medical Insurance, a Must!

Traveling Overseas? Don't Forget Your Health!

As you prepare for your next overseas trip, whether it’s a vacation in France, China or Bermuda, you’re probably dreaming of delicious local cuisine, incredible sight-seeing adventures or plenty of relaxing days on the beach. But one thing you may have neglected to plan for is your health.
Many international travelers who fall ill while overseas aren’t sure where to turn. If you don’t plan ahead for such an unfortunate event, you could find yourself in quite a bind. Here are a few healthy travel tips you should keep in mind as you plan your next overseas journey:
Pay your doctor a visit. Before you board an international flight or step foot on a cruise ship, set up an appointment with your physician—especially if you have a medical condition. Your doctor can give you a thorough checkup to make sure you’re healthy enough to travel overseas.
Research the health care system of your final destination. Although quite a few international destinations, such as China, Costa Rica and Thailand, offer top-notch medical care, many countries do not. Do your homework and find out if and how you’ll be able to get medical care if necessary. If the country you’re planning to visit has a notoriously substandard health care system, you may want to choose a different destination.
Get familiar with local diseases. If you are traveling to a particularly exotic country, you should familiarize yourself with common diseases and medical conditions in that area. Check with the Centers for Disease Control and Prevention to find out what diseases are common in certain countries. (Visit www.cdc.gov/travel.) For a list of countries that require vaccinations, visit The World Health Organization’s website at www.who.int/ith.
Take a close look at your health insurance policy. Many health insurance polices do not cover you if you’re traveling overseas. For example, Medicare does not cover international travel health expenses. However, certain Medigap policies do. This is why it’s extremely important to read the fine print on your health insurance travel before you embark on that next trip.
If your health insurance doesn’t cover you for trips abroad, you should purchase comprehensive travel insurance. Before signing on the dotted line, make sure this travel insurance policy covers medical evacuations—these emergency evacs could cost you up to $50,000 out of pocket. You should also check the policy for any exclusions—some travel insurance won’t cover injuries that result from “risky” activities, such as mountain climbing or scuba diving.
Pack your meds. Don’t forget to pack any prescriptions and over-the-counter drugs you may need during your trip. If you have crucial prescriptions, be sure to pack some extra in your carry-on bag in case your luggage gets lost. Bring these meds in their original bottles including the labels. That way, you’ll have the necessary info if you need to refill a prescription during your trip. You should also know the generic names of your medication in case the pharmacy doesn’t carry the brand name.
Don’t push it. Many international travelers try to cram too much into one trip, which can be incredibly stressful on the body. Try to plan your trip so that you’re not rushing to a different city every day. Additionally, if you tire or get winded easily, you may want to avoid trips that require excessive walking or vacations in high altitudes.
Know where to turn if you fall ill. If you do get sick during your trip, you can obtain a list of local English-speaking doctors from the U.S. embassy or consulate. Before you leave for your trip, you may want to request a list of English-speaking doctors worldwide. This is a great website I highly recommend https://www.hthtravelinsurance.com/index.cfm?link_id=27499&personalized=y&header=y

Health Insurance Alone doesn't cover all things for all people!

Health Insurance Alone doesn't cover all things for all people!
In fact 62% of all bankruptcies are caused by a critical illness.
And 75% of those who files bankruptcy HAD a health insurance policy.
Men have a 1 in 2 risk of developing cancer in their lifetime and women have a 1 in 3 risk.
Yet nearly 2/3 of cancer related costs are NOT medical costs!
I believe that a solid financial foundation includes health insurance and Yes, life insurance too!  Here's why:  Most life insurance policies just pay out at death.  However that is NOT how my plan works. My life insurance has "living benefits" benefits you do not have to die to use.
Contact me today for a free one hr. consultation and/or a free book on "Living Benefits".

Sunday, May 21, 2017

Whole Life

https://nationallife.wistia.com/medias/lbu424rasn

If you want guarantees, this is the way to go!!!

Thursday, April 27, 2017

Things Change

Over time, things change.

Take the music industry, for example. From vinyl, to 8-tracks and cassettes, to CDs and digital, the way we listen to music has undergone several transformations throughout our lifetimes.

Nothing stays the same...and your life insurance coverage shouldn’t, either.

Does your life insurance policy provide benefits while you are alive? There are new policies available now that allow you to access your policy’s death benefit while you’re STILL LIVING, in case of a critical, chronic, and/or terminal illness! These features come at no extra cost, and still provide identical death benefit features that the “old kind” of life insurance does! 

Classical music is nice and all, but may be time for a new "beat" when it comes to protecting yourself and your ability to provide for your family.

Consider these facts:
- Every 26 seconds, someone suffers a heart attack.
- 50% of all people will be diagnosed with cancer at some point in their lifetime.
- 75% of all people over 40 will become critically ill at some point in the future.

Do you still have the "8-track" of life insurance policies? If so, maybe it’s time for an upgrade!

Talk soon!

Monday, April 17, 2017

FYI

Next week, Covered California will send a notice to those consumers atrisk of losing their Advanced Premium Tax Credit (APTC) and/or cost-sharing reductions for their 2017 health insurance coverage.

Saturday, April 15, 2017

Traveling Overseas? Don't Forget Your Health!

As you prepare for your next overseas trip, whether it’s a vacation in France, China or Bermuda, you’re probably dreaming of delicious local cuisine, incredible sight-seeing adventures or plenty of relaxing days on the beach. But one thing you may have neglected to plan for is your health.

Many international travelers who fall ill while overseas aren’t sure where to turn. If you don’t plan ahead for such an unfortunate event, you could find yourself in quite a bind. Here are a few healthy travel tips you should keep in mind as you plan your next overseas journey:

Pay your doctor a visit. Before you board an international flight or step foot on a cruise ship, set up an appointment with your physician—especially if you have a medical condition. Your doctor can give you a thorough checkup to make sure you’re healthy enough to travel overseas.

Research the health care system of your final destination. Although quite a few international destinations, such as China, Costa Rica and Thailand, offer top-notch medical care, many countries do not. Do your homework and find out if and how you’ll be able to get medical care if necessary. If the country you’re planning to visit has a notoriously substandard health care system, you may want to choose a different destination.

Get familiar with local diseases. If you are traveling to a particularly exotic country, you should familiarize yourself with common diseases and medical conditions in that area. Check with the Centers for Disease Control and Prevention to find out what diseases are common in certain countries. (Visit www.cdc.gov/travel.) For a list of countries that require vaccinations, visit The World Health Organization’s website at www.who.int/ith.

Take a close look at your health insurance policy. Many health insurance polices do not cover you if you’re traveling overseas. For example, Medicare does not cover international travel health expenses. However, certain Medigap policies do. This is why it’s extremely important to read the fine print on your health insurance travel before you embark on that next trip.

If your health insurance doesn’t cover you for trips abroad, you should purchase comprehensive travel insurance. Before signing on the dotted line, make sure this travel insurance policy covers medical evacuations—these emergency evacs could cost you up to $50,000 out of pocket. You should also check the policy for any exclusions—some travel insurance won’t cover injuries that result from “risky” activities, such as mountain climbing or scuba diving.

Pack your meds. Don’t forget to pack any prescriptions and over-the-counter drugs you may need during your trip. If you have crucial prescriptions, be sure to pack some extra in your carry-on bag in case your luggage gets lost. Bring these meds in their original bottles including the labels. That way, you’ll have the necessary info if you need to refill a prescription during your trip. You should also know the generic names of your medication in case the pharmacy doesn’t carry the brand name.

Don’t push it. Many international travelers try to cram too much into one trip, which can be incredibly stressful on the body. Try to plan your trip so that you’re not rushing to a different city every day. Additionally, if you tire or get winded easily, you may want to avoid trips that require excessive walking or vacations in high altitudes.

Know where to turn if you fall ill. If you do get sick during your trip, you can obtain a list of local English-speaking doctors from the U.S. embassy or consulate. Before you leave for your trip, you may want to request a list of English-speaking doctors worldwide.  You can obtain this free guide from the nonprofit organization, International Association for Medical Assistance to Travellers. Visit their website at www.iamat.org or call 716-754-4883.

This is a great website I highly recommend

Friday, April 7, 2017

Travel Medical Insurance

Are you traveling abroad?  Don't forget your travel medical insurance!  Your insurance here will not cover you there #SWAN #KSWZ Have a wonderful weekend!

Tuesday, April 4, 2017

My upcoming virtual Money 101 events, join us!!

Virtual Money 101
Click on this link 3-7 minutes before the meeting

April 3, 2017- 6 pm - https://zoom.us/j/3035797227

April 5, 2017- 3 pm - https://zoom.us/j/3035797227

April 5, 2017 *Spanish*- 4 pm - https://zoom.us/j/7542041162

April 11, 2017- 4 pm - https://zoom.us/j/3035797227

April 11, 2017 *Spanish*- 4 pm - https://zoom.us/j/7542041162

April 15, 2017- 8 am - https://zoom.us/j/3035797227

Wednesday, March 29, 2017

Life Ins is for those who you love....


I am writing you this because:
  1. You are my friend and,
  2. I will never forgive myself if something were to happen to you and I didn’t educate you about the importance of life insurance.
I have worked in this industry for 25 years now and I strive to help people see the importance of life insurance. Working in the life insurance industry, every day I talk to people about how important it is to protect the ones we care about. If you wanted to give me advice on your expertise, I would listen because you work in it and you know what you are talking about. I know what I am talking about, so please read this.
I believe in life insurance for the protection it provides and because it can help you set a solid foundation for your financial future.
I know you aren’t passionate about life insurance. I know you have other things you want to buy. But regardless of what life insurance you have at work, it’s important to have your own policy. Your work benefits may be great, but with the amount of job changing our generation does, and the fact that you specifically never stay in one place long, it is important to have your own life insurance coverage outside of work. That way you can take it with you, wherever you go.
Your good health is an assetAll too often I talk to people who call in at 70 with health issues and want life insurance for a low price but they waited too long. Life insurance isn’t bought only with money, it is also bought with health. We will never be healthier than we are now. If you put it off until you’re older, the cost of insurance can become very expensive.
I have a term life insurance policy for a million dollars of coverage. It costs $21.56 a month. That is barely two drinks a month in San Diegoam I right?
Plan for the unexpected—Yes, it’s easier and more affordable to get life insurance when you are young and healthy. But there are also benefits to having it in place in the event you get ill. With life insurance that has living benefits you could accelerate your policy to help pay for medical treatments, bills or other expenses.
But that’s a worst case scenario, and hopefully you’ll stay healthy and you won’t need to pay for medical treatments. If that’s the case you still will have your life insurance coverage and you bought it at an affordable rate.
It’s all about flexibility—Life changes fast. You may want to get married and have kids in the future. If you get a term life insurance policy now, at your current health status, you can convert it to a permanent insurance policy at your current healthy status down the road.
Also, with a permanent life insurance policy there is cash value that grows over time. The better you fund the policy, the more options you have to use that cash value down the road.  For example, at retirement you could access the cash value through loans and withdrawals to supplement your income. Or, you might access it earlier to pay off a house, use it as an emergency fund, whatever you want.  Plus you have the living benefits in case you get sick.  You are buying flexibility. You pay your renter’s insurance, you pay your rent. Why not pay for life insurance. It is an asset. It is important.
Life insurance can be the foundation for your financial future.
I am writing this to try to protect my best friend. If after reading this you still don’t think taking the time to get your blood drawn and to pee in a cup is worth this protection, then let’s talk. 
Life insurance is not a gamble.  This is something you should have for the rest of your life to protect the ones you love.
I’m taking the time to write this simply because I love you.

Friday, March 17, 2017

When life throws you a curve ball.....

Medical bills, lost income, and the cost of ongoing care due to critical and chronic illnesses are the cause of 62% of bankruptcies each year. Of those bankrupted patients, 75% were covered by health insurance, and it wasn’t enough to protect them from financial ruin.

Cover your bases with a life insurance policy that allows you to have access to your death benefit while you are still alive. Traditional life insurance policies just pay out at death. But what good does that do you if you’ve just survived a heart attack, stroke, or cancer diagnosis? With “Living Benefits”, you can get money in your hands when you need it most. If you find yourself in a pinch following a terminal, chronic or critical illness, your policy will be there to provide relief. It’s life insurance you don’t have to die to use.

Monday, March 6, 2017

Just married, new baby, new home?

Life Changes!

When it does, it's time to make sure your family and assets 
are properly protected.

Most people purchase life insurance coverage to provide a legacy of financial security to their loved ones in the case of their death. But doesn’t it make sense for the benefits to extend & be available to you if you need them while you’re still living?

              Introducing the new kind of life insurance:
              life insurance you don't have to die to use.

60% of the bankruptcies in the U.S. every year occur because    
        of medical expenses resulting from a major illness.

80% of those bankrupted patients had health insurance, and it  
        didn't save them from going broke.

Watch the video to learn more about how Living Benefits life insurance works – and then take action to protect yourself and your finances!

Thursday, March 2, 2017

Happy Dr Seuss Day!!

Happy birthday Dr Seuss!!  I used to love his books when I was a kid.  I moved to San Diego 30 years ago for college and at the time had no idea that he lived here in La Jolla, awesome!!  I would have loved the opportunity to meet him.  You can find more info about him on Wikipedia https://en.wikipedia.org/wiki/Dr._Seuss  I read many books for business and have a lot to recommend, The Slight Edge, anything by Jean Chatzky and Patrick Kelly.  You can find the books I recommend at www.kswz.biz
I also enjoy reading cookbooks and any books written by chefs!

This is why I am so passionate about what I do each day

Tuesday, February 14, 2017

Tired of losing money?


This unique wealth-accumulation vehicle provides policy-holders with the potential to enjoy a happy, healthy, non-taxable retirement.

Thursday, February 2, 2017

Youre cordially invited to my mo online Money 101 events!


Most of us attended school for more than a decade to learn about reading, writing and 'rithmetic - but we never learn about our finances!  Five Rings Financial was founded on the belief that Middle Americans should be provided with a sound education on how money works, and this exciting, innovative event proudly drives that tradition forward. 

Monday -Jan 30- 5pm [P], 6pm [M], 7pm [C], 8pm [E]
Saturday - Feb 4 - 8am [P], 9am [M], 10am [C], 11am [E]
Wednesday - Feb 8 - 6pm [P], 7pm [M], 8pm [C], 9pm [E]
Friday - Feb 17 - 6pm [P], 7pm [M], 8pm [C], 9pm [E]
Wednesday - Feb 22- 5pm [P], 6pm [M], 7pm [C], 8pm [E]
Saturday - Feb 25 - 8am [P], 9am [M], 10am [C], 11am [E]


Click here to register!  

Explore how to grow and protect your money for college funding, retirement planning or simply wealth accumulation...with money you never knew you had!  Learn while enjoying a bite to eat and friendly company.

Our goal is to empower and educate people about wealth management and financial strategy through fun, free workshops. Learn better money management techniques by attending a Money 101 workshop that works for your schedule.

=====================================================
Go to http://www.zoom.us/ 10 minutes before the call time and click on Plans, then join with Basic Plan for free -

Click "join via video/computer" (not just audio as there will be many visual examples) https://zoom.us/j/3035797227

Join about 5 minutes before the meeting, and you will be able to say Hi and introduce yourself to the speaker.

(Be sure to mute after joining - hover over left lower area of screen to bring up your mute, video and chat buttons.)
Talk soon!

Don’t let your nest egg become your hospital or nursing home fund!

Dr. Bob Pokorski shares stories of retirement plans gone wrong in the face of chronic illness, and what you can do to preserve your financial goals:  http://realwealthmedia.com/naifa

Monday, January 30, 2017

Compound Interest


Compound interest: It may be compound, but it's NOT complex! Learn more about how compound interest can be your best friend if it's working for you, and devastating if it's working against you!

Thursday, January 5, 2017

Planning for College Costs

Our plans do not affect Financial Aid like 529 plans do! Please share this with a friend who had a baby recently

Wednesday, January 4, 2017

This is why I am passionate about what I do ea day!

http://www.anallianceforlife.com/

Make sure you are protected if you are an expat living here in the US

If you are an expat living here in the US, I can help you create a tax shelter. Only assets up to $60,000 are protected http://blogs.wsj.com/expat/2016/03/31/you-think-your-taxes-are-complicated/

Monday, January 2, 2017

Big Changes Coming 2017: The Pros & Cons

Are you planning on retiring someday? The financial services industry is going through a massive overhaul via the Department of Labor! While this may not be front page news for the average citizen, this has huge implications for the way you will be able to seek out and pay for advice that helps you save for retirement. Dale Brown, CEO of the Financial Services Institute helps you weigh the pros and cons of the changes, and fills you in on what to expect.  http://realwealthmedia.com/naifa/?inf_contact_key=316d19a77a2dd763cff9bbe00d0d58fd61e7ab7fe6892d0221c462c9064dc1ab

Impact of Taxes