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Back Up Your Words With Life Insurance

We all say certain phrases that become part of who we are. And even if they aren’t hashtag-worthy, others are listening. The meaningful words we use to talk about loved ones and our passions provide a glimpse into who we are and what we value most. But you’ve probably also heard the saying, actions speak louder than words – right? It’s important to stop and consider what we say and whether our actions are aligned with our words. Life insurance is one way to back up what we say about who matters most and what we feel is important. Let’s take a closer look. Marrying My Best Friend You knew each other for years before you realized you were meant to be together. Now you’re living in your dream home and you have plans for a wonderful future. And you proudly announce to anyone who will listen you married your best…

How to Be a Record-Keeping Rock Star

Keeping track of old tax returns and sorting through receipts may sound about as exciting as organizing your sock drawer. There’s no immediate payoff to most financial record keeping, so it’s easy to put it off until another day. Or another year. Plus, record keeping is a chore that can feel even more confusing and time-consuming now that so much information is stored electronically. Raise the Stakes Imagine a new reality TV show where you can win big cash and prizes if you can produce financial and personal documents.   The prize patrol has knocked at your door without warning. They want to see seven years of tax returns, the receipts documenting deductions on those returns, investment statements for your 401(k) or IRA for the past three years, receipts for the computer and new fridge you bought last year, your last three paystubs and bank statements for the past 12…

The Starter Guide: Truths About Financial Advisors Everyone Should Know

As your finances become more complicated over time, it is common to need a little extra help managing your monthly cash flow, tending to various investments, and preparing for retirement. Schools do not teach about money, so there is no surprise that people just like you need regular help managing their money. If you think finding a financial advisor might be right for you, follow this guide to understand the many aspects of this important decision. Interview Several Financial Advisors At the start, you should plan to speak with multiple advisors before you pick the right one. You shouldn’t blindly trust the first person you meet with your money. Instead, take the time to meet with several financial advisors so you can understand their unique investment style and financial philosophies. Go into each interview with a list of questions and have a friendly discussion to learn more about their experience…

How to Get a Raise in 5 Simple Steps

The year is quickly coming to an end, and for many, that signals the fourth quarter is right around the corner. We all know what that means – year-end performance evaluations and opportunities for raises and promotions will be here quickly. Do you have high hopes of getting a raise or a promotion this year? If so, now is a great time to prepare for these interviews and evaluations, and put your best foot forward. With a little extra commitment, combined with some practice and preparation, you can increase your chances of getting a raise with five simple steps. Compensation Trends Before we dig into the five steps, it’s helpful to familiarize yourself with some recent salary trends. Studies have long associated women’s lack of assertiveness in salary negotiations as a common explanation for the 21 percent gender wage gap in the U.S. However, recent research shows that young women,…

Top 11 Best Places to Live in 2016

Looking for places where homes are affordable and jobs are plentiful?   Then we’ve got the list for you. Money recently released its Best Places to Live report for 2016, analyzing more than 800 cities with populations between 50,000 and 300,000. For this year’s report, researchers crunched numbers and analyzed 60 key factors: taxes, education, healthcare and more.  The top contenders include some of the usual suspects like Naperville, Illinois, along with new neighborhoods like Weston, Florida. Whether established or just emerging on the scene, these 11 communities earned the highest scores and are all incredible places to dwell. Columbia, Maryland Columbia turns 50 next year, and it’s never looked so good. One of the most successful planned communities in the country, Columbia is a magnet in the Baltimore–Washington corridor, attracting families in search of good schools and businesses hungry for educated employees. Population – 102,221 Median Home Price – $310,000 Property…

How To Be a Successful Person Without Talent

Now more than ever, we are conditioned to believe talent is what it takes to succeed. From athletes and artists to technology titans, doctors and politicians, we are constantly inundated with profiles of uniquely successful people who have risen to the top of their respective fields because of one thing: their talent. While talent certainly comes in handy, it’s far from required when it comes to succeeding in business or in life. Whether you seek success in work, relationships, finances or other aspects of your life, it is said that hard work beats talent. These 10 habits require no talent and can take you farther than talent alone ever could in becoming a successful person. Be on Time If you can’t be early, at least be on time. Tardiness is a sign of disrespect to anyone who’s counting on you and can be a deal-breaker when meeting people for the…

5 Tips for Getting on the Road to Financial Freedom

If you’ve ever worried that you’re running on an empty financial gas tank, you’re probably among the 25 percent of Americans whose biggest fear is running out of money with a family to support – and never being able to retire.  Gaining financial freedom can be a challenging task. But with the right attitude, it can also be a thrilling and empowering one. These five tips can help you improve your overall financial security. Managing your finances effectively and efficiently can feel like moving a mountain. To successfully manage your money, you need to be armed with financial knowledge, skills and tools – such as retirement accounts or life insurance policies. You need to know when to be careful, when to boldly seize the opportunity, and where to put your money so you can retire and protect the ones you love most – your family! Regularly Discuss Your Dreams Financial literacy isn’t…

5 Ways to Prepare Financially for a New Baby

If you’re an expecting parent, you’ve probably done your homework. Between Lamaze classes, parenting blogs and the latest edition of Dr. Spock’s Baby and Child Care, chances are you know enough about childbirth to get a job in a hospital. But there’s another type of preparation that’s equally important: prepare financially for a new baby. When you consider the US Department of Agriculture’s statistic that a child will cost more than $245,000 by the time he or she is ready to go to college, it’s easy to panic. But first things first. Here are five sensible ways to prepare your finances for the stork comes. Get a Handle on Your Health Insurance Even with health insurance, having a baby is expensive. That’s why it pays to find out now what is and isn’t covered by your insurance provider when it comes to prenatal care as well as labor and delivery.…

Ask an Agent: What Does Life Insurance Cover?

SelectQuote agent Joy Waller tells us a little bit about herself and addresses the frequently asked question of what does life insurance cover. Joy, How Long Have You Been a SelectQuote Agent? Eight years this past May. What’s Your Favorite Thing About Being a SelectQuote Agent? The moment when a client’s policy is activated! Because we work with multiple carriers at SelectQuote, I’m always able to give my clients a choice of rates – which is a great feeling. What Does Life Insurance cover? Life insurance covers your most precious assets when you no longer can. How Affordable Is Term Life Insurance? Term life insurance is the most affordable kind of life insurance available. If you can afford to have a cell phone or go out to eat a couple of times a month, chances are you can afford term life insurance! To learn more from Joy about what life…

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