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TEACHING KIDS ABOUT MONEY

A Savings Lesson as Easy as Child’s Play. Source: NLG My oldest son, Xander, is about to be 12. Before the end of this summer, he will probably be taller than me, and I am certain he is far smarter and world-wise than I ever was at his age. When Xander was 7, he wanted an X-box 360 gaming system. My husband, Mac, and I thought this would be the ideal time to teach him about delayed gratification and saving in order to reach a financial goal. We told him how much the X-Box

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HOW THE “F” WORD MAKES WOMEN SMARTER

Smart women share a lot of things with each other–a lot. Everything from bad dates to bad bosses, trying to get pregnant to birth stories, cute kid stories to how to keep the relationship alive post kids. Women share incredibly intimate details of our lives with each other. But there is one thing that we do not talk about, the “F” word: Finances. Source: NLG We. Just. Do. Not. Talk. About. Finances. Why do women share collective wisdom and experiences about the most intima

HOW TO PLAN FOR THE UNIQUE NEEDS OF YOUR FAMILY

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HOW TO PLAN FOR THE UNIQUE NEEDS OF YOUR FAMILY

Life can change in a moment. One day my family became a family with a special needs person. I had been out of the country (and at that time relatively out of touch without cell phone connections) and arrived home to hear increasingly troubled voice mails. “Call your brother.” “Call your brother the second you get home.” “Call your brother at the hospital!” Source: NLG My nephew, who was 12 years old at the time, had been diagnosed with bone cancer. (Let me give you the good

HOW MUCH LIFE INSURANCE DO YOU REALLY NEED?

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HOW MUCH LIFE INSURANCE DO YOU REALLY NEED?

Typically getting the insurance you need is pretty straightforward. Generally someone else will tell you how much you need for your car insurance, homeowners insurance and health insurance. But with life insurance, the amount you need is up to you to decide. Source: NLG There are a lot of great things about being empowered to choose how much life insurance you need, and unlike car insurance, have a say in how much coverage you want. You get to decide how much your life is wor

AN AGING PARENT: WHAT’S THE RIGHT APPROACH?

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AN AGING PARENT: WHAT’S THE RIGHT APPROACH?

Each of us eventually experiences the challenge of watching a parent age and trying to help them navigate the inevitable changes it brings. Source: NLG My siblings and I for many years have taken on more and more responsibility watching over our mother’s affairs as she’s gotten older. We’re all happy that we’re able to do something to help her keep some measure of independence. But it’s challenging to know when we need to step in and insist that we need to do more, or do some

12 BABY SAFETY TIPS | BECAUSE GROWING SMALL PEOPLE IS HARD WORK

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12 BABY SAFETY TIPS | BECAUSE GROWING SMALL PEOPLE IS HARD WORK

Being a parent is exciting and fun but also exhausting and hard! Let’s be honest, if your parents were like mine, they gave us wooden spoons and metal bowls to play with and fed us a steady stream of McDonald’s Happy Meals or Chuck-E-Cheese (depending on your generation). But parents today have overwhelming choices ranging from brain boosting toys to organic non-GMO, free-range baby food. Whew! Talk about pressure. Here are 12 tried and true tips to keep you and that litt

MANAGING IT ALL: MY FIRST STUDENT LOAN PAYMENT IS HERE

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MANAGING IT ALL: MY FIRST STUDENT LOAN PAYMENT IS HERE

I just made my first student loan payment last week….and everything just got real, folks. According to the Wall Street Journal, with 2015 graduates owing $35,000 on average, I’m lucky; my student loans aren’t nearly as crippling as many of my classmates’ loans. And while I’d love to attribute that to the fantastic scholarships I received that actually only barely made a dent, my mom is the one who took on the largest part of the loans and I’m forever grateful to her. Source:

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BORROW FROM YOURSELF

“A bank is a place that will lend you money if you can prove that you don’t need it.” Source: NLG It’s one of those classics that falls into the ‘It’s funny because it’s true’ category. Really, it’s not funny. But, it does seem to be true. Since the Great Recession of 2008, middle income Americans are finding it harder than ever to borrow money from banks. Tightened regulations implemented in 2009 are causing bank lenders to look for near perfect credit qualifications in

IT’S TIME TO CLOSE THE RETIREMENT SAVINGS GENDER GAP

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IT’S TIME TO CLOSE THE RETIREMENT SAVINGS GENDER GAP

Women earn 78 cents to every dollar that men earn, according to the U. S. Department of Labor. That’s 23% less than their male counterparts. On top of that, the 2010 U.S. Census reports that 42% of all women lack financial security. Source: NLG Susan Jennings is passionate about changing those statistics. Susan is Senior Legal Counsel for National Life Group and Executive Committee Member of the Indexed Annuity Leadership Council. She has been with National Life for 29 years.

WHEN DID I BECOME A HAM ON RYE? | TIPS FOR LIVING INDEPENDENTLY IN YOUR GOLDEN YEARS

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WHEN DID I BECOME A HAM ON RYE? | TIPS FOR LIVING INDEPENDENTLY IN YOUR GOLDEN YEARS

I have aging parents. But I don’t have children. Am I still considered part of the “Sandwich Generation” or does lack of one slice of bread put me in some type of gluten-free land? My curiosity got the better of me so when in doubt, surf the net. Source: NLG Turns out I still qualify as a part of the Sandwich Generation. According to the website, “The Sandwich Generation,” authored by Carol Abaya, M.A., I am what is known as an “open-faced” sandwich. (Seriously, I can’t make

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HOW TO LIVE A LIFE YOU LOVE

Many of us struggle to find balance in our lives and often feel like we could have the life we love if only…. And the “if only” list can sometimes be long! But living a life you love is about acceptance, having emotional and financial support systems in place and the belief that everything will turn out OK in the end. Source: NLG Sometimes, it takes a tragedy to help us to remember that living a life we love starts with gratitude and appreciation for the present moment. In th

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WHY ARE YOU SO AFRAID OF CHANGE?

Change is hard and has the capacity to totally freak people out. It can happen subtly, like the weather changing or the store being out of stock of your favorite item. Change can also happen in some really big disruptive ways – relationships starting or ending, work organizational changes, or the death of a loved one. One constant is that change will happen. Change can be positive or negative and a lot is determined by how you perceive it. So how do we keep change from drivin

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WHAT IT REALLY TAKES TO BE A ROLE MODEL

Two years ago my daughter Lindsey had to select a role model for a report in her 7th grade class. She chose Taylor Swift. Not a bad choice actually given Swift’s girl power, philanthropic style. Source: NLG This year she had to choose someone again for yet another report. This time, her report would be multimedia. And this time her role model was. . .me. “Thank you,” I said with sincere surprise. “But why me?” Let’s face it, I don’t have the U.S. Women’s Soccer team coming to

THANK YOU FOR SAVING MY LIFE| THE GREATEST COMPLIMENT I EVER RECEIVED

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THANK YOU FOR SAVING MY LIFE| THE GREATEST COMPLIMENT I EVER RECEIVED

There are not many jobs that allow you to receive that type of compliment. No, I’m not an EMT, a police officer or a doctor. I didn’t jump in front of bus and push someone out of the way. I did not perform CPR. I did what I have been doing for the past 13 years. I sold a life insurance policy. Source: NLG A few months ago, my client, also named David, stopped by my office. We had become friends over the years and were catching up. As David was headed out the door, he turned t

HOW SHOULD I DOUBLE MY MONEY? HERE ARE SOME CHARITABLE GIVING TIPS

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HOW SHOULD I DOUBLE MY MONEY? HERE ARE SOME CHARITABLE GIVING TIPS

We’ve been going through a fun and interesting debate in my family: Now that we can double our money, who should get it? Source: NLG No, we haven’t come into a windfall. But it’s the time of the year when we can sign up for a company program that matches contributions to nonprofits. It’s really a great opportunity and it’s pretty painless. I can choose to contribute to up to three nonprofits and National Life will deduct the money from my paycheck, either equally throughout t

SECRETS OF A FORMER FINANCIAL ADVISOR: DANCE WITH THE ONE WHO BRUNG YOU

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SECRETS OF A FORMER FINANCIAL ADVISOR: DANCE WITH THE ONE WHO BRUNG YOU

“Dance With The One Who Brung You” – Old Southern Saying (with various ungrammatical variations). Source: NLG “A man with a watch knows what time it is. A man with two watches is never sure.” – Lee Segall Here’s a hypothetical client conversation (exaggerated because I find it funny to do so) that has happened to me, and likely every other agent and advisor who has been in the business for a while: Clients: “Hi Joe, thank you for driving 3 hours to meet us in our home at 8:0

HOW I PAID FOR THE LIFE INSURANCE I DIDN’T THINK I COULD AFFORD

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HOW I PAID FOR THE LIFE INSURANCE I DIDN’T THINK I COULD AFFORD

Life insurance can be a less than fun topic to think and read about. I get it; life insurance makes you think about things that you’d rather not think about–life without your favorite people. For me, it brings up all sorts of feelings about my children, my husband, and my parents–feelings that “feel better” when they are out of sight and out of mind. So why am I going there? Source: NLG We just realized that my husband did not have enough life insurance to allow me and my

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WHAT ARE YOUR BLIND SPOTS?

Blind spots. We all have them. When you’re driving your car, you intuitively know that there are objects that you can’t see. In life, we’re often not as tuned in. We see based on our own experiences, assumptions and opinions. And, sometimes what we see is either completely wrong or slightly askew. Throw in gender, geography, ethnicity, and sexual orientation and it can feel like you’re hopping over mine fields. While comedians joke about political correctness every day, whe

CAN WE TALK? | FINANCIAL PLANNING WITH YOUR SPOUSE

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CAN WE TALK? | FINANCIAL PLANNING WITH YOUR SPOUSE

Call me crazy but between juggling work schedules, playing hot potato with parenting duties (“but I read stories last night…”), and trying to have a relationship with someone you aren’t responsible for dressing, it’s tough to have a meaningful conversation about anything let alone household finances. If and when you are lucky enough to get a moment (and neither of you fall asleep), have the money talk. While it may not seem as fun as other kinds of talk, the money talk will

IS A SINGLE PREMIUM DEFERRED ANNUITY RIGHT FOR ME?

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IS A SINGLE PREMIUM DEFERRED ANNUITY RIGHT FOR ME?

Single Premium Deferred Annuities (SPDAs) are not often talked about. Unfortunately, there isn’t a lot of awareness of what this product is, or how it works as a part of a balanced financial portfolio. Single premium deferred annuity products are a resource for turning retirement savings into an income stream, either through annuitization or with the purchase of an optional rider. Source: NLG If you choose to annuitize your policy, the cash value of the policy is surrendered

US National Debt Clock : Real Time

Charting America’s Debt: $28 Trillion and Counting. Failing to plan is planning to fail!

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