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Brought
to you by:
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About Our Firm:
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We are a client-centric financial planning firm with a focus on safety and stability. We can directly fulfill the portions of the planning that includes mortgage and insurance services. Our affiliates manage any tax planning, estate planning, securities and investments services, or we coordinate with your preferred providers.
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| QUOTES from the
Masters... |
| On Learning |
On Overcoming the Negative |
| "Training
teaches people to follow prescriptions.
Education teaches people
to make choices." -- Nido
Qubein
"If
a man empties his purse into his head, no man can take it away from
him.
An investment in knowledge always pays the best interest." -- Benjamin
Franklin
"If
someone is going down the wrong road, he doesn't need motivation to
speed
him up. What he needs is education to turn him around." -- Jim Rohn
"Today
the greatest single source of wealth is between your ears." -- Brian Tracy
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"Although
the world is full of suffering, it is also full of the overcoming of
it."
-- Helen Keller
"We
must all wage an intense, lifelong battle against the constant downward
pull. If we relax, the bugs and weeds of negativity will move
into
the garden and take away everything of value." -- Jim Rohn
"Don't
water your weeds." -- Harvey
Mackay
"Let
criticism motivate you." -- Jan
Ruhe
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Business
Liquidation
Insurance Considerations at Disability:
When
disability strikes,
most business owners want time in order to assess the likely duration
and
impact of the disability, before making business liquidation
decisions.
Without advance planning, however, even a short-term disability can
result
in a forced business liquidation.
A Short-Term
Disability...
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The
Situation
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Possible
Insurance Solutions
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If a business owner wants
to keep the business open during a shorter-term disability and avoid a
forced liquidation, funds are needed:
- to pay business
operating expenses
during the disability; and
- to continue an
income to the
owner.
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- Business
overhead expense insurance can be used to reimburse the
business owner for business expenses during periods of shorter-term
disability.
- Disability
income insurance can be used to replace business income
lost while the owner is sick or hurt and unable to work.
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A Longer-Term
Disability...
| The
Situation |
Possible
Insurance Solution |
| With a longer-term disability,
the owner needs time to liquidate the business in an orderly
manner.
Without sufficient income, however, the business owner may be forced to
liquidate both business and personal assets in a disadvantageous manner. |
Disability
income insurance can be used to replace the income
previously
generated by the business, giving the owner the time necessary to
execute
an orderly business liquidation. |
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| MESSAGES
from
the Masters... |
DOING
THE REMARKABLE by Jim Rohn
When
it comes to meeting and conquering the negativity in your life, here is
a key question: What can you do, starting today, that will make a
difference?
What can you do during economic chaos? What can you do when everything
has gone wrong? What can you do when you've run out of money, when you
don't feel well and it's all gone sour? What can you do?
Let
me give you the broad answer first. You can do the most remarkable
things,
no matter what happens. People can do incredible things, unbelievable
things,
despite the most impossible or disastrous circumstances.
Here
is why humans can do remarkable things: because they are remarkable.
Humans
are different than any other creation. When a dog starts with weeds, he
winds up with weeds. And the reason is because he's a dog. But that's
not
true with human beings. Humans can turn weeds into gardens.
Humans
can turn nothing into something, pennies into fortune, and disaster
into
success. And the reason they can do such remarkable things is because
they
are remarkable. Try reaching down inside of yourself; you'll come up
with
some more of those remarkable human gifts. They're there, waiting to be
discovered and employed.
With
those gifts, you can change anything for yourself that you wish to
change.
And I challenge you to do that because you can change. If you don't
like
how something is going for you, change it. If something isn't enough,
change
it. If something doesn't suit you, change it. If something
doesn't please you, change it. You don't ever have to be the same
after today. If you don't like your present address change it —
you're
not a tree!
If
there is one thing to get excited about, it's your ability to make
yourself
do the necessary things, to get a desired result, to turn the negative
into success. That's true excitement.
To
Your Success,
Jim
Rohn |
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The purpose
of this newsletter
is to provide information of general interest to our clients, potential
clients and other professionals. The information provided is
general
in nature and should not be considered complete information on any
product
or concept described. For more complete information, please
contact
my office at the phone number above.
Financial Advisor Certified Mortgage Planner Private Real Estate Banker/Investor Licensed Life, Health & Annuity Agent FINRA is located at www.finra.org.
SIPC is located at www.sipc.org.
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