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September is Life Insurance Awareness Month.

The children are going back to school, life is getting back to it s familiar routine as the lazy days of summer and coming to a close. As the seasons change there is one constant that doesn t .. family.

Hold on — what if the family dynamic suddenly changed? The loss of a breadwinner or caregiver could be catastrophic to a family. Alone, the emotional rollercoaster shattering but coupled with financial strain could lead to mental and financial disaster.

There are plenty of reasons why so many Americans don t have the life insurance coverage they need to protect their families. In my experience, procrastination tops the list.

“It s on my to-do list” and “I plan to get to that soon” are common excuses people give to put off making what could be the most important financial decision they ll ever make or, regrettably, not make.

There s a growing crisis in America of people not having enough life ins (more...)

Smoking is a pleasure for most and status for others. Most smokers start as a one-time try, but a cigarette does not let anyone go out off its hands very easily. The body slowly gets addicted, and then it s very hard to quit. The addiction behind smoking is Nicotine, which is very addictive. Possible results of smoking are lung cancer, emphysema and many other chronic diseases, resulting in huge personal and medical expenses.

What do smokers benfit? First, they spend money on cigarettes and then on doctors, medication and medical visits. There are many ways to quit smoking such as patches, medicines, etc. However, the best way is self determination, will-power and motivational support from your friends and relatives.

Think of the hard-earned money that can be potentially wasted of cigarettes. Imagine spending that money for your child, parents or on yourself. What can a cigarette give to you? Can it really add to your life? In fact, researcher has shown that there is a 29% chance for expe (more...)