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Monday, April 20, 2015
Are you looking for life insurance and the potential for tax-free retirement income options?
Saving For College
The cost of college tuition, room and board can vary widely depending on a number of factors, and continues to rise faster than inflation and wages. In the event your children aren't awarded full scholarships or become professional athletes, it's important to have a savings plan in place as early as possible.
College costs may seem overwhelming, but starting early with a regular savings plan can help you be prepared. While income limits will be factored in, federal or private loans and grants may be available.
When saving for college, it's important to note that you should never put it before your saving for retirement. You can get a loan for college, but you can't get a loan for your retirement.
Friday, April 17, 2015
Friday, April 10, 2015
Money 101 & More!
I spent the afternoon yesterday in Orange County at ewomennetwork. The Founder of ewomennetwork was our speaker for the day. I was seated at her VIP table, awesome! She always has great advice, R&D, Rob and duplicate, focus on your cash cow, etc. As business owners we always want to do everything ourselves, type As. We shouldn't, we should only focus on what makes the cash register sing. If you are looking for an amazing one of a kind networking experience, you must check out ewomennetwork. There's a patented process of networking we do there. Every yr there's a conference in Dallas, this yr will be the 15th annual. It's way fun! I will be going for my 5th time I think it is? Enjoy your weekend! I will be spending mine doing our taxes. I would love to see you at one of my upcoming complimentary Money 101 events:
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We go to school for 12 to 16 years and learn reading, writing, and 'rithmetic, but we never learn How Money Works! We're inviting you to a FREE workshop. This isn't a sales seminar, it's an educational setting. Bring your notepad, grab a bite to eat, and listen to the fundamental principles of money. Learn how to GROW and PROTECT your money for college tuition, retirement planning, or simply wealth accumulation - with money you never knew you had. View our California event calendar here.
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Tuesday, April 7, 2015
Friday, April 3, 2015
Life at 65
Life at 65...
There are some who think that life really begins at 65. With the cares of work and raising a family behind them, many people finally start doing the things they've long dreamed of doing. Some choose to travel, others are content to relax around the house—some even get up the nerve to clean out the garage. But, one of the last things on the minds of those of many who reach this milestone, is their life insurance plan. After all, who really needs life insurance after age sixty-five?
You, maybe. If you're approaching age 65, or plan to, consider the following six questions:
1. At your death, will your spouse require income over and above Social Security and any investments you currently have in order to maintain his or her standard of living?
2. Do you or will you have a parent, child or family member dependent upon you for support beyond your age 65?
3. Is your estate, all totaled, worth more than $5,250,000* (2013), the benchmark at which Federal estate taxes begin to be assessed? Would your heirs have to sell off assets, perhaps for less than their market value, in order to pay those taxes?
4. At retirement, are you planning on electing a smaller initial pension benefit so that benefits will continue to your spouse after you die?
5. Have you wanted to reduce your taxable estate and leave something to charity without having to take away from what your heirs will inherit?
6. Would you like to see your business continue into the future, intact and free from debt, for the benefit of your children or valued employees?
If you answered "yes" to any of the above, you probably have some need for life insurance coverage after age 65. Maybe you're one of those people whose policy will be paid up by then. But maybe you're just now considering the ramifications of these questions. If like so many of us you're in the latter group, relax. With today's variety of life insurance products, you can tailor a policy to provide the protection you need at a price that is probably still far less expensive than the alternative.
Tuesday, March 31, 2015
Money 101 and Telluride CO!
Hello all! I just returned from an amazing long spring weekend in Telluride CO. The snow was melting a lot. We didnt ski but we went on two beautiful hikes. The temp was as high as 69 degrees one day in the shade. It was my second trip to Telluride. Next trip we are going to go in the summer to see what its like then. When we left yesterday it was 30 degrees, drove thru Phoenix and Yuma at 95 and then hit El Centro at 100 at 5pm to Encinitas at a mere 65 degrees, amazing day of driving! Have a great day, week and Happy early Easter!
Here's the schedule for Money 101 in April. I hope to see you there! Remember its always free dinner or lunch on me! Please RSVP to me
:-)
www.fiveringseducation.com
Monday, April 20
6:30pm
6:30pm
Tuesday, April 21
5:30pm
Wednesday, April 22
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