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Technorati Tags: agency, Auto, Bureau, Business, care, Cocoa, company, Farm, flood, Florida, Health, Homeowners, Insurance, Life, long, planning, retirement, small, term, YellowPages

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Technorati Tags: Auto, Business, Car, Commercial, Homeowners, Insurance, Life

this one if it matters…

http://www.dixiemotorsinc.com/detail-2006-mercedes~benz-c~class-c230-3690617.html

look if i wanted to brag i would have.. no i dont want to i dont even have one i was just looking at one so thank you for your smart ass comment

you KNOW the only reason you’re asking is for bragging perposes. don’t they have a damn telephone?

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Technorati Tags: advert, Commercial, Insurance, madgenius

And while a team of professionals is vital – the key information you seek is most likely to come from your peers. These are people who are experiencing what you are experiencing and they have nothing to sell and no advice to protect.

You peer group also provides one of the most important thing any of us can have when trying to make the right decisions. They are your sounding board. From now on you can say, “I’ve got to discuss this with my board” and actually mean it!

Financial retirement planning success results from one thing and one thing only! It comes from making better decisions. It’s that simple, not easy to do on your own however. In fact the most successful leaders among us, in every walk of life, systematically reach out to their hand-pick board of advocates and supporters for insights and advice.

You can have the same tools for creating your own strategic planning and marketing team, a no cost whatsoever. Simply go to www.StrategicConversations.biz and watch the five minute video. Once you join you will receive a powerful video series that will show you how to make decisions about the directions you take and the plans you make with greater confidence. It is 100% free, no strings attached.

Read the whole article here.

Technorati Tags: financial retirement planning, state farm insurance

ent planning requires a team of professionals who understand you and who have “been there, done that” when it comes to setting up and actually seeing in real life the results of the trusts and estates planning they or their firm has done.

And while a team of professionals is vital – the key information you seek is most likely to come from your peers. These are people who are experiencing what you are experiencing and they have nothing to sell and no advice to protect.

You peer group also provides one of the most important thing any of us can have when trying to make the right decisions. They are your sounding board. From now on you can say, “I’ve got to discuss this with my board” and actually mean it!

Financial retirement planning success results from one thing and one thing only! It comes from making better decisions. It’s that simple, not easy to do on your own however. In fact the most successful leaders among us, in every walk of life, systematically reach out to their hand-pick board of advocates and supporters for insights and advice.

You can have the same tools for creating your own strategic planning and marketing team, a no cost whatsoever. Simply go to www.StrategicConversations.biz and watch the five minute video. Once you join you will receive a powerful video series that will show you how to make decisions about the directions you take and the plans you make with greater confidence. It is 100% free, no strings attached.

Read the whole article here.

Technorati Tags: financial retirement planning, state farm insurance

Because term life insurance is pure protection, providing only a death benefit, it is like renting the coverage for as long as the policy lasts or as long as you pay the premium. If you die during that time, the policy will pay its death benefit.

However, as you get older you see that while the original reason you bought the policy has gone away, it has invariably been replaced by another reason, usually one with an even higher price tag and even more dire consequences if you do not have the cash to satisfy it.

There are lots of different bells and whistles insurance companies add to make their term insurance policies salable.

For example, some have premiums that are level from the day you buy it until the end of the term. Since every year the actuarial cost of protection increases, the real corresponding costs your payments would rise each year, compared to the levelizeded premium term life insurance policy.

When your premiums rise according to the actual actuarial costs, if there was any chance that you could be convinced that you no longer needed the insurance, you would drop it in a heartbeat and the insurance company would not make as much money – because the early year premiums are lower than the later year premiums.

There is a “guaranteed renewable” feature in most term insurance policies – before or at the end of the initial term. Insurance companies have been selling insurance to people for a long time, and they know that your needs for insurance will last for as long as you live, and they want you to keep paying for insurance far beyond that initial term period.

The renewable feature’s primary benefit to you is that you don’t have to pass another physical to show that you are still “insurable” in order to keep the term insurance policy in force for longer that originally intended. In every term life insurance policy I’ve seen, each time you renew, the premiums will be higher for the next period of years than the last – because you are older and, therefore, more likely to die.

Another feature, convertibility, is usually part of the policy as well. In my opinion the convertibility feature is vital and something you should clearly understand in order to make sure the policy is as flexible as you will want it to be.

Convertibility is a feature that could be critically important to you. It allows you to exchange this policy for another type of life insurance at any time before the expiration of the policy’s term. By purchasing a convertible term life insurance policy you remain in control, the policy can be converted to a permanent type of coverage at a later time, and importantly – without having to prove that you are still insurable.

Here’s where my wetting the bed analogy comes in. Generally people choose term insurance for protection when they need it as a permanent solution for a temporary obligation, such as mortgage protection, bank loans and security required by a vendor, or perhaps as income replacement when their children are young. These are times when the requirements for immediate cash protection to meet your commitments is paramount if you were to die – and term insurance may only possible solution that provides the amount of coverage you need at a premium you can afford.

Over time the original loans get repaid – so you borrow more, kids grow into teenagers – now it’s their college education you want to assure. And as retirement nears – money is still going to be needed by the survivors, to meet expenses, pay taxes, etc.

In other words, term life insurance is a permanent solution for a temporary obligation. And it is a temporary solution for a permanent need.

The question most people ask is, in order to work out the right type of insurance for their specific situation – where can I get both the advice and input I need and the cost effective solution to the challenge of finding the right policy for me right now?

In my opinion, the right answer to that is one that makes the most sense both for you and your family but your business as well.

It’s finding an insurance agent who has spent a lifetime helping people like you. He or she will have insights and experiences to share that you can benefit from.

Remember, when you buy life insurance, commissions will be paid to someone – an online service, a web only company, or a flesh and blood agent. There is nothing you or I can do about that.

So, why not get your money’s worth by using the help of a trained professional you trust who has to look you in the eyes for as long as you all shall live?

Technorati Tags: Farm Bureau Insurance, Farm Insurance Agents, State Farm Insurance Agents, term vs whole life insurance

State Farm was founded by a farmer – George Mercherle in 1922. It was founded to serve the auto insurance needs of farmers.

Farmers was founded in 1928 under the name Farmers Exchange Insurance as an automobile insurance company.

If you are a professional working with businesses here are three things I hope you’ll do.

First – read the entire blog post by clicking this link.

Second – leave your thoughts and comments on the article itself – or right here on the Effectiveness Strategies web site.

Third – join the directory of professionals serving business owners – the link is above.

Technorati Tags: marketing, marketing professional services, selling life insurance

I also know that if you are fifty years old or older you have seen such swings in estate and income tax policies that you know for sure – just because they are the way they are today, doesn’t mean that’s the way they’ll be when your family will have to pay them.

By the time you finish reading this article the Congress will have changed yet another law, repealed some and created others – some which will impact you this year and some you’ll encounter next. And some you won’t be impacted by for years to come.

The question you will have to answer for yourself, maybe along with the insights of your farm insurance agent and other trusted advisors – is whether you want to be ready for those changes when they happen or if you want to do nothing today and hope for the best later.

Here’s a little flashback, and maybe flash forward. When you die the IRS will establish a value for your farm business and they’ll compare their figure with those on your estate tax return. Remember, that may or may not be important today – or when you read this for the first time, but you’re not dead yet.

So it really doesn’t matter now. Later however your executor may be dealing with the IRS and they will, naturally, have conflicting goals. Your executors will want to press on with how hard up you were and how little the land is worth, really. They will do whatever they can to keep your estate values low.

If you have been around long enough you have earned 12% on your CDs, you’ve seen fifty percent tax rates, and paid less than a dollar for a gallon of gas. Who knows what the estate tax situation will be when your estate is probated.

And if it is long enough into the future the value of the land may exceed anything you can imagine today. If you are able to pass it along to you widow without taxes being due – just imagine what they will do to her, or to your heirs – when she dies later on down the road.

The reason the IRS wants a high valuation is obvious. It will create the possibility of more taxes then or in the future. Whether we like the idea or not the IRS will be around long after we’re gone.

It is fair the speculate that we’ll either pay them now or later, and they will work at creating the highest taxable estate possible for that eventuality.

In the old days when the IRS and executor disagreed matters often ended up in tax court for two or three or more years. During that time, regardless who the court agreed with, the estate ran up legal bills and the assets of the farm we tied up all the while.

If there was something you could do today that would avoid this potentiality, years even decades in the future – would you do it?  If not then you are probably too naive to see your farm succeed for the long term anyway.

On the other hand if you are smart enough to want to stay in as much control of your farm’s future as possible, you can solve the problems that happen to the well meaning farmers whose lawyers and accountants say, “don’t worry about it” – hey it’s not their farm.

It’s your farm and your problem so if you don’t worry about it who will?

Simply put, a well drafted buy-sell agreement solves the problems that may occur in the future by establishing a value for the farm business which is binding on the IRS for estate valuation purposes.

If the agreement sets a fair price and you are obligated to sell both during your life and at death – the IRS will not be able to value the farm at a higher figure.

The agreement will also eliminate the delays and expenses which come with resolving a valuation dispute in tax court as well. No matter what the estate tax situation is today (the day you are reading this article) it is likely to be different on the day of your death.

Do you want to do nothing and hope for the best, hope the IRS will not change its rules? Or do you want to get on top of the situation now and stay there?

Your buy-sell agreement also guarantees a fair price to your family which will make sure they receive value for your years of hard work. And it will allow the farm to continue on unencumbered in the hands of others based on decisions made by you when you are in your strongest bargaining position.

There are many other reasons for having a buy-sell agreement, whether you are in business alone or with partners. And there are people who will help you make the right decisions about the need and type of buy-sell agreement, and do so probably at no cost to you.

Farm insurance agents are unique among your other professional advisors. Generally they do their work on your behalf at no charge, relying on the commissions paid by the insurance companies they represent. In other words they get paid when you take action.

If you do nothing after their explanations, consultations, examples, and illustrations – farm insurance agents do not earn anything.

That is their contract with you and the companies they represent. You will always get their best efforts on your behalf and the insurance company is paying for it.

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