Why Should You Complete Your FES Will and Trust?

There's no reason to delay any longer. Listed below are the top seven reasons for getting your documents in place today!

To make sure your estate goes to whom you want, when you want, and the way you want. Most wills and trusts leave the assets to the next generation outright. However, with a little bit of thought on your part, you can delay large bequests until children or grandchildren are older or give it to them in stages so that they have the chance to make some mistakes with the money without jeopardizing the whole inheritance. Similarly, you can place conditions on receipt of the money such as "only upon graduation with a bachelor's degree" The possibilities are endless. It allows you to give back to the people and places that have helped you. Again, most people leave their assets to their children in equal shares however along with your family, however you may want to remember those people and institutions who have helped make you what you are today. For example, many people make bequests to local community foundations, alma maters and charities to show appreciation for the role they played in their life. It shows your family that you cared enough to plan for them. When you put time, thought and effort into planning your affairs it sends a powerful message to your loved ones. It saves your heirs legal fees, taxes and time in settling your affairs. By planning ahead with trusts instead of wills, you can abbreviate the settlement process, thus aiding the grieving process and allowing families to get on with their lives. In addition, while assets are tied up in a lengthy probate proceeding, valuable opportunities may be lost or additional expenses incurred, such as having to maintain a home. It makes sure your estate will pass by blood instead of by marriage. Most estate plans leave the money to the children and if they die who inherits from them - your son-in-law or daughter-in-law. Can they get remarried and share your $250,000 with a complete stranger? Sure, it happens all the time. Proper preparation of your trust will make sure that if your child should die, whatever they didn't spend goes to your grandchildren or your other surviving children, instead of to your in-laws. It guarantees you will be protected if you become disabled. About half of all people today have a period of disability before they die. Without a plan, you risk getting the state's plan where they appoint a legal guardian for you who (1) may be someone you don't even know (2) may change your investments (3) may be unable to protect your assets by transferring them to other family members if you have to go into a nursing home, and (4) may make it exceedingly difficult to get back control of your assets if you recover from your disability. When you set up a revocable living trust, you create a plan for disability that avoids a guardianship proceeding, puts the persons you chose in control and allows them to transfer and protect assets. Again, with a 50% disability rate, we all need to plan for it. It gives you peace of mind so that you can get on with your life. When you have a well thought out and executed plan you actually feel better. You feel safe and secure that no matter what happens you have a plan to deal with it and you have your team in place to carry it out. This allows you to put those concerns out of your mind and enjoy your life.

Looking For Work? Make Sure Your Credit Resume Is Up To Date!

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	Why do potential employers check your credit rating? This is a hot topic these days, and yet another reason why your credit rating is so important. There are several reasons why someone may have less than perfect credit, some which may indicate a potential problem for employers and some situations where the individual had little or no control. For example, a low credit score may indicate a limited use of credit, a severe illness with big medical bills or a lengthy layoff with no severance. Other consumers, regardless of their income, simply live beyond their means on a regular basis, overspending on credit. To employers, that could raise a warning flag about an applicant's possible lack of self-discipline -- and maybe even lack of integrity. And employers might reasonably be concerned that an employee's money problems could tempt him or her to steal or to pad an expense account.
With few jobs and so many candidates with similar qualifications looking for work, employers often look for small differentiating factors (positive and negative) to help them make decisions. Credit history can be one of these. Check the Education and Resource Centers in your Protection Plan account for more information on improving your credit file.

How to change bad financial habits in 8 steps

Is Your New Year's Resolution To Become Financially Fit? Get your finances in order for 2011 starting now! You've made a resolution to diet, workout and get more physically fit, but what about your finances? Managing your debt? Saving money? Restoring your credit? Here are some tips for replacing unhealthy financial habits with sound new ones to achieve financial freedom in 2011: Track what and where you spend. Experts say many factors, including depression and anxiety, can set off bad habits, such as overspending. Keep a notebook of your spending behavior, including when and why a purchase was made. Sort out "wants" versus "needs". Do you really need that $5.00 cup of coffee every morning? Think first, act second. The longer you think about buying something, the more likely you are to save the money. Start with small, manageable goals when changing your financial lifestyle. Work on paying off one credit card at a time.

Change the way you think about your goals and keep a positive attitude. Instead of using the word "budget," use "spending plan." Plan ahead when shopping. Make a list and stick to it. Bring only enough cash to make your purchase to avoid overspending. Be sure to reward yourself for good behavior or a goal you achieved with a small, controlled indulgence. If you feel deprived, you're more likely to give up, experts say. Work through any setbacks. If you fall off the wagon, keep going. The first three months of a resolution are the toughest and have the highest risk period for going backward.

How to change bad financial habits in 8 steps

Is Your New Year's Resolution To Become Financially Fit? Get your finances in order for 2011 starting now! You've made a resolution to diet, workout and get more physically fit, but what about your finances? Managing your debt? Saving money? Restoring your credit? Here are some tips for replacing unhealthy financial habits with sound new ones to achieve financial freedom in 2011: Track what and where you spend. Experts say many factors, including depression and anxiety, can set off bad habits, such as overspending. Keep a notebook of your spending behavior, including when and why a purchase was made. Sort out "wants" versus "needs". Do you really need that $5.00 cup of coffee every morning? Think first, act second. The longer you think about buying something, the more likely you are to save the money. Start with small, manageable goals when changing your financial lifestyle. Work on paying off one credit card at a time.

Change the way you think about your goals and keep a positive attitude. Instead of using the word "budget," use "spending plan." Plan ahead when shopping. Make a list and stick to it. Bring only enough cash to make your purchase to avoid overspending. Be sure to reward yourself for good behavior or a goal you achieved with a small, controlled indulgence. If you feel deprived, you're more likely to give up, experts say. Work through any setbacks. If you fall off the wagon, keep going. The first three months of a resolution are the toughest and have the highest risk period for going backward

Worried About Blowing Your Budget This Holiday Shopping Season?

The Affects of Your Credit Score on Insurance

Description	:	Your credit score affects everything from the rate you pay in interest to your car insurance. According to a recent survey by Conning & Co., a Hartford, Connecticut-based insurance research firm, 92 percent of all insurance companies use credit information when underwriting new policies. In fact, credit history is becoming one of the major factors, if not the major factor, in determining insurance rates. Did you know that even your car insurance is affected by your credit score? When it comes to insurance, providers say there may be a relationship between a person's credit history and the possibility of filing a claim. According to the Insurance Information Institute (III), people with a lower credit score are more likely to file a claim than someone with a higher credit score. View your credit score in the Positive Credit Builder Credit Analyzer and take care of potential derogatory items in the Dispute Module.** ** if applicable

When Need Arises, Don't Forget To Update Your FES Will & Trust!

Description	:	Have you recently had the joy of a new child or grandchild? Don’t forget to update your FES Will & Trust! It may be time to modify your will if you've experienced a big change in your lifestyle, such as bringing a new member into the family. Your will should be tailored to your current family and financial situation, which may be different than five years ago or possibly even last year. Your will and trust is not always a one-time undertaking. To protect your loved ones in the future, we encourage you to review and modify your FES Will & Trust every year or should any of these other life-changing events occur:       •  You marry, remarry or divorce •  You have a child or new grandchild •  You move to a different state  •  Your assets change in value significantly (ie: you receive an inheritance) and/or the estate tax laws change •  The executor of your will or the administrator of your trust dies or becomes incapacitated, or your relationship with that person changes significantly •  One of your heirs dies or has a permanent change in health •  Your children reach age 18 •  The laws affecting your estate change To make any necessary changes, revisit our FES Will and Trust section at any time to modify your documents. We will prepare and forward your new documents within a few business days.

Raawiya's Solutions To Healthy Credit: Keeping Your Home through a Job Loss

Raawiya's Solutions To Healthy Credit: Keeping Your Home through a Job Loss: "Dear Clients, If you are a homeowner who is having trouble making your mortgage payments, you most likely want to do whatever you can to st..."

Keeping Your Home through a Job Loss

Dear Clients, If you are a homeowner who is having trouble making your mortgage payments, you most likely want to do whatever you can to stay in your home and to avoid a foreclosure. The first thing you should keep in mind is to stay in close contact with your lender. If you are going to miss a mortgage payment, inform your lender, keep good records of all your correspondence and use registered mail to send documents and letters so you can verify that they were received. Most lenders will work with you, as foreclosing on homes carries heavy costs for them. The following are options to keep you in your home, while you get back on your feet. The following are options to keep you in your home, while you get back on your feet. Reinstatement. One way to work things out with your lender, if you are delinquent on your payments, is to negotiate a reinstatement of your mortgage loan agreement. A reinstatement agreement requires you to stay current on all of your future payments and to commit to agreed on payment terms for all your missed mortgage payments. Missed payments may be required in a lump sum or it's possible you can pay the arrears in supplementary monthly payments to your regular mortgage payment over a period of 12 to 24 months. Reinstatement is really only an option if you were having serious financial problems but are over them, as it requires substantial monthly payments moving forward. If you can receive help from a family member or sell a valuable asset, reinstatement is a worthwhile option to pursue.

Forbearance. It may be impossible for you to stop making your payments, temporarily. Forbearance is an agreement between you and your lender, where your lender agrees to not pursue foreclosure and to accept no mortgage payments or a reduced mortgage payment for a defined period. If you have a temporary disability or can show that you expect money from an insurance pay-out or tax refund, you may qualify for forbearance. You need to have a positive payment history to be eligible. Forbearance is only granted if your lender is confident that you will be able to resume making your normal payments plus pay back the any arrears accumulated while in forbearance. In most cases the length of the forbearance plan will not exceed 18 months. Most forbearance plans stipulate that foreclosure will proceed, if the borrower defaults on the agreement. Loan Modification. An important option for you to consider is a loan modification. A loan modification is a permanent change to one or more terms of your loan. Your lender can modify your loan by reducing your interest rate and the size of your monthly payment, by extending the repayment term of your loan, or by agreeing to reduce the principal balance of your loan. A principal balance reduction is negotiated when the value of the property has dropped. Balance reductions became relatively common starting in 2008, in reaction to the dramatic decline in home prices in many areas. As a borrower in distress, you must meet certain guidelines in order to qualify for a loan modification. The lender will examine the size of your loan compared to the fair market value of the property, your debt-to-income ratio, and your credit history. Chapter 13 Bankruptcy. A last resort option that allows you to remain in your home is for you to file for Chapter 13 bankruptcy. Once you are under the supervision of the bankruptcy court, your lender cannot proceed with a foreclosure. The goal of filing bankruptcy, in these circumstances, is to allow you to retain possession of your residence while you participate in a structured repayment of your debts. Consult with an attorney who has experience in bankruptcy to discuss whether bankruptcy will allow you to keep your home. In Conclusion It makes sense to take every step possible to stay to stay in your home. If you are having problems making your mortgage payments, it is crucial for you to know what steps you can take to avoid losing your home to foreclosure.

Raawiya's Solutions To Healthy Credit: Start planning today for tomorrow's uncertainties

Raawiya's Solutions To Healthy Credit: Start planning today for tomorrow's uncertainties: "Let MyCare Plan turn your good intentions into good planning and security for you and your family. MyCare Plan is your all-inclusive es..."

Start planning today for tomorrow's uncertainties

Let MyCare Plan turn your good intentions into good planning and security for you and your family. MyCare Plan is your all-inclusive estate planning package, complete with a last will, living trust, financial and health care powers of attorney. For more information and to enroll today, contact: 720-936-6760 raawiya.clark@gmail.com www.vrtmg.com/cclark9

Life can be full of uncertainties. Who will inherit your property when you die? Who will take care of your spouse and minor children should you not be able to? What kind of medical treatment would you like to receive if you become critically ill? You can't always control the unfortunate circumstances in your life, however, you can have a plan in place should they occur. MyCare Plan will enable you to plan not only for yourself, but for your loved ones as well. MyCare Plan is our way of helping you plan for life's uncertainties. It includes a variety of planning tools and options so that you may customize your plans for yourself and your family. MyCare Plan will assist you with the following essentials: Preparing a Financial Power of Attorney and a Health Care Power of Attorney - talking to family members now to decide how to handle your financial and medical affairs should you become incapable of making your own decisions. Preparing a last will and establishing a living trust that will distribute your property according to your wishes upon your death. MyCare Plan will put you in greater control of the financial and health care decisions that directly affect the lives of you and your family. Plan while you can. It's not enough to simply want to do the right thing; you need to make sure it happens. If you would prefer not to receive our email, please click here to unsubscribe.

Successors succeed by planning to succeed. Those who fail to plan fail to succeed.

 I had my sales / use tax class for beginners.  That was great with me being an entrepreneur and  inshallah (god willing) be opening another business in the near future.  If you or anyone you know is currently  operating you're on business or considering it take this class.  It is offered by the IRS and it is FREE!  The classes are also catered to the industry that you are in.  The class are three hours and you can get CE credit.

My quote of the day is:  Successors succeed by planning to succeed.  Those who fail to plan fail to succeed.

Raawiya's Solutions To Healthy Credit: Are you on the protection plan yet??? 7 minutes th...

Raawiya's Solutions To Healthy Credit: Are you on the protection plan yet??? 7 minutes th...: "Watch this 7 minute video at least 5 times! Grow your business!!!!! Are your agents on this plan??? YOU and they sho..."

Are you on the protection plan yet??? 7 minutes that could change your life! !

Watch this 7 minute video at least 5 times!  Grow your business!!!!!  Are your agents on this plan???
 
YOU and they should be!  You are your own best customer and how can you tell others how great your services are if you are not experiencing them????

As an FES agent you can get your credit restoration included for the $87/month cost of our Protection Plan (that's five services!).   Take a look at this 7 minute video.  
 
You want to be on the protection plan!   You get your credit restoration, Debt Zero, Identity Theft Protection,  and  your Wills and Trusts!!!   Plus you get commission on your own plan each month!    

 
  Check the link!

http://www.pureedgeutainment.com/fes_7minute_peak
 
 Many Blessings!

WASTING MONEY WITH BAD CREDIT

WASTING MONEY WITH BAD CREDIT

Do you really know how your credit score affects you? Find out how you could be paying more than $200,000 in unnecessary interest or even be missing out on job opportunities. Don't let your friends and family waste money!

Check out this e-video and see the financial impact of a 650 credit score compared to a 750 credit score. More information on the cost of bad credit available in the Marketing section of your Business Office.

Click on the link Waisting Money With Bad Credit