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So Little Time

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So Little Time

Wake. Workout. Eat. Shower. Coffee. Makeup. Hair. Coffee. Clothes. Drive. Coffee. Work, Work, Work, Work. Eat. Work, Work, Work, Work. Drive. Eat. Makeup. Hair. Clothes. Drive. Socialize. Eat. Drive. Sleep. REPEAT.  (sometimes I forget about the whole eating and sleeping thing)

That is just a ‘normal’ day. That doesn’t include my to-do list.

Life is full of schedules, activities, appointments, routines – and then some.  If you are like me, then you know that slowing down is not an option.  I am working hard to build a career for myself and attempt to have something that resembles a social and love life.  I don’t have time to stop and a read bunch of paperwork or add additional appointments to my schedule.  I don’ want to be bogged down with information that is overly technical and that doesn’t give me exactly what I need in a few short bullet points or paragraphs.  When I need to get something done, I want to do it in the most effective and efficient manner possible.  Time is the most precious commodity.  MY most precious commodity.  I don’t want it wasted.

When it comes to purchasing an insurance policy, I need to know that whether it is for auto, home, earthquake insurance, flood insurance, jewelry, renters, condo, house, life, or health insurance the entire process with be efficient, knowledgeable, and straight to the point.  With our business, online, over the phone, or in person – purchasing the insurance YOU need insurance has never been easier.  There are numerous methods to find quotes and purchase inventory – online, over the phone, thru an app, and even in person (GASP!). With so many options, there really isn’t a time excuse.  You can choose what will best fit in to your schedule. I mean, I can choose what will best fit in to my schedule.

I know the importance of having the proper insurance coverage, which means I also know I need to make the time to get it!

I am busy.  You are busy.  Let Susman Insurance Agency do the work for you, so you can use your time for that crazy-busy schedule.

Nobody Has Time For That!
Nobody Has Time For That!

Increase Productivity

We have all heard the saying “Work Smarter, Not Harder.”

Yeah.  Easier said than done.

We all want to be more productive and more successful, but how do we do that without working a million ours a week and forfeiting a huge chunk (if not all) of our social life?

Maybe these tips will help:

 

Once you have all the information you need, make small decisions in less than 60 seconds

Check email in the afternoon so you protect the peak energy hours of your mornings for your best work.

Set clear, well-defined deadlines for your projects.

Stop waiting for perfect conditions to launch a great project.

Mess creates stress.  Clean out the clutter in your office to get more done.

Say goodbye to the energy vampires in your life (the negative souls who steal your enthusiasm).

Win the battle of the bed- put mind over mattress.

Turn off the TV.

Knock your worst task out first thing, and clear it from your stack of work

Don’t do so many meetings.

Don’t say yes to every request.

Get into your absolute best physical condition – it creates explosive energy and focus

Drink more water.

Delegate.

Stop working overtime.

Use your commute time – listen to books on audio, podcasts and learning programs.

Get things right the first time.

If it’s not absolutely necessary, take it off of your to-do list.

Get lost – don’t be so available to everyone.

At the end of the day, laser in on one final task, finish it, then call it quits.

Review your progress each day and find ways to improve.

Sleep.

 

Productive

Sources:

www.robinsharma.com

www.inc.com

 

 

Long Live YOU

When was the last time you had a physical, a medical exam or blood work? Your body is the most precious personal gift you own and you want to last as long as possible, right? Well, why not get the insurance coverage you need, so you can stay healthy and live longer.

If you are planning to buy your first home, or have a baby, you need to plan ahead. Life may throw you a few curve balls, you may not see coming, but you will be prepared when they arrive. Nevertheless, your insurance company may offer you lower premiums, more medical benefits and better coverage. Not having the right insurance is just as stressful as not having any insurance. You need to have the right insurance and combine it with living a healthy lifestyle.

Get a regular checkup, keep all doctor and dental appointments, avoid eating foods that are high in sugar and fat content, and put down the remote control, get out of the E-Z boy and jog down the street a few times a week. \

Just like you planned your wedding, your engagement, your anniversary and your baby shower, put the same precise planning to use when you are looking for health and life insurance. You deserve to live life to the fullest without any worry.

Put aside the pride, go to the gym, and watch a health fanatic workout. It might inspire you to appreciate the finer things in life, that money cannot buy, good health, peace of mind, and longevity.
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Best Face Forward

It seems like almost every day there is another celebrity revealing an update in their look. Sometimes this update involves a little nip and tuck. Whether you care for the celebrity or not, it is hard not to have an opinion when you see the changes and updates. Sometimes opinions turn into ridicule which can turn into extreme bullying. That’s unfortunate. However, in my opinion – if you are going to be in the public eye then you have to be prepared for harsh criticism when you change the structure of your face.

This leads me to think about plastic surgery. I am not against plastic surgery in any way, but like most things, it should be used carefully and in moderation. There are significant risks associated with plastic surgery – all of which should be research prior to going through any procedure. If you are considering plastic surgery, please make sure you sign-up for a life insurance policy or update your current one. We can’t control the outcome of your physical changes, but we can make sure you are covered just in case the unthinkable happens.

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Guide to life insurance

Life is precious to every creature (big or small) on earth. From a tiny ant to big rational agents every living being loves life and wants to protect it. For a human being the most prudent way to shield his life from all the forthcoming perils is to get life insurance. Life insurance not just guard the life of the policyholder but it is also a great help to other family members.

Life insurance pays for almost all the major misshapenness in an individual’s life. If the person is suffering from a chronic illness, it bears the medical expense. Life insurance money can be used in cases of a severe accident. After the death of the policyholder, the insurance pays for his funeral and other related ceremonies. Thus life insurance is a big financial assistance not only when a person is alive but also even after it.

However the extent to which a policy will be active or beneficial depends on the kind of life insurance policy taken by an individual. For instance, the term life insurance policy is all about protecting a person for a term before he dies. But if the individual dies during the policy term, the beneficiaries receive the benefits. Term life insurance is ideal for those who want that specific needs such college tuition; mortgage payments and car payments should be cared for at their death. This insurance is also favorable for the families who cannot afford to pay large monthly premiums. It is also good for senior citizens who know that they will kick the bucket soon. Many companies associate different terms and conditions with the term life insurance policy and so offer several types of it. The term life insurance an also be converted to any other form of insurance such as whole life insurance.

The people who seek to insure their entire life and are ready to pay big premiums throughout should go for a Whole Life insurance policy. This policy is good for young but not meant for the old. The whole life insurance has a distinguished “cash surrender value” feature. The cash value (composed of cash value and dividends) keeps on incrementing annually according to a specific schedule in your whole life insurance policy. Many whole life policies reward the policyholders with dividends that can augment the entire cash value.

Besides these kinds of life insurance policies are also health insurance policies. These policies are devised for those suffering with chronic illnesses particularly cancer. Such policies are difficult to acquire (for very few agencies offer them) and are usually offered at high premiums. The health insurance may pay for some of the patient’s treatments but it does not pay for everything.

Prior to purchasing a life insurance policy, a person should make a prudent assessment of his current situation and needs. Accordingly he should look up Internet, consult friends and relatives to find either a reliable insurance company or an agent. Choosing from where (insurance company and agent) and what kind of policy to adopt is a challenging task that requires lot of consideration and discussion.

Free Life Insurance Quote – Important Points To Consider

Taking care of your loved ones with a life insurance policy is a wise decision. Once you have made the decision to purchase a life insurance policy there are other important decisions which must be made as well. Life insurance is not money to be dispensed at the time of your death only. It is also protection for your assets and for the future of your loved ones.

What purpose does life insurance serve?

Obviously life insurance should bridge the gap between the time of grief immediately following your passing and the return to normalcy. Life insurance planning should provide for this short term need. Life insurance must all safeguard the assets you have acquired during your life and pass on as many of those assets as possible to your estate. Make a list of the assets you have and the needs your family will have after your death.

How to accomplish your objectives

Once you have ascertained what it is you want your life insurance to do you must consider how these targets will be achieved. Most of the time making sure that the needs of your loved ones will be met requires more than just a large infusion of cash. A plan should be in place for the proper allocation of the cash received from life insurance policies. There are also tax ramifications which should be analyzed.

Consult a professional

First and foremost the best advice is to get as many quotes as possible and compare. It is free and you will learn more about life insurance faster. There are many laws, particularly laws concerning taxation, which may eat away at the value of your life insurance. Ways to protect your life insurance are available. Using a trust instrument to receive insurance proceeds is just one valuable tool available for protecting your life insurance from taxes. An insurance professional or an attorney can help you with planning your estate to avoid most if not all taxes on your life insurance policies.

Do You Need Life Insurance

It can be very difficult to decide if you need life insurance. Life insurance can be an extremely onerous financial commitment and investment, and it will also last for a considerable period of time, so you should take careful consideration in deciding if it is the best way of achieving the financial and other goals you and your loved ones may have.

Life Insurance Policy

Basically, a life insurance policy will cause a sum to be paid to the named beneficiary upon the death of the insured. This sum will generally be paid to the beneficiary, free of income tax. So in which instances is life insurance generally used above its alternatives? Well its primary function is to provide death benefit protection in a tax efficient way. For example, if you would like to transfer wealth from your estate to your beneficiaries you can do it through life insurance.

You should now that it may still be liable to federal estate taxes. It can also be used to ensure the continuation or protection of a business and to provide financial benefits to your partners or employees who may otherwise be at risk financially. It may also be used to support your family or other dependents that rely on your income during life. It can replace this income and support them in your place for a period. It can also be used to supplement retirement income in various instances when other contributions are not possible.

Be Aware

You can access the money in your policy unless it is a Modified Endowment Contract. What’s more, it will be federal income tax free so long as you make the withdrawal by borrowing against the policy and do not exceed what you have paid into the policy. Withdrawals from an MEC are subject to federal income tax on the gains they have made. There is an additional 10% tax in certain situations.

You should be aware that all withdrawals and loans against a permanent life insurance policy would reduce the policy’s value and the amount of any pay out upon death of the insured. There may also be various fees and penalties associated with accessing the money early so you should be aware of these and if they are very onerous, you may wish to look for an alternative source of funds so that you don’t have to fall prey to these. Also, if your policy is invested on your behalf, the amount available for withdrawal or loans may be less or more than what you have paid in, depending on how your investments perform.

Discount Life Insurance

Life insurance is a type of insurance policy that provides financial security and peace of mind for you, your family and dependants. It is based on the simple principle that should you die during the term of the life insurance policy, the person(s) named in the insurance policy will receive a lump sum or series of payments for the insured amount. If you have a mortgage and/or are the main income producer in the family, a life insurance policy will ensure your family’s future is secure as the payment can be configured to pay off all outst anding debts and provide a substantial income for the ones that you leave behind.

Buying life insurance

When buying life insurance it is advisable to shop around for the best discount. Life insurance premiums can vary significantly between life insurance providers, while some providers will even offer discount life insurance, guaranteeing their premiums to be the lowest available on a like-for-like basis. If you want the best discount on your life insurance policy you’ll need to look out for special discount offers run by the insurance providers. This may take some time however, and you’re not guaranteed that the next discount offer that becomes available will be the right type of life insurance policy for your circumstances.

Alternatively, you should instead conduct your search for discount life insurance online.

Online = discount life insurance

Why is it important to look online for discount life insurance you may ask? Well, the reasons are numerous! It’s quick, it’s easy and there is a huge amount of choice available on life insurance policies at the click of your mouse. Best of all though, life insurance policies found online are generally cheaper than those found offline. This is because there are fewer overheads involved in processing an online application form for life insurance than there is when a life insurance company processes a paper-based application. The costs incurred by the life insurance company when they advertise on the Internet are also lower than say if they were to advertise on the TV, radio or via newspapers.

Additionally, portals and web sites that provide a comparison between different life insurance policies, some of which will be discount polices, are certainly worth a visit, especially if they provide access to online application forms. Why are they worth a visit? Well, not only will these portals offer you a selection of the lowest priced discount policies available, but you may also be able to pick up a further discount when buying the life insurance policy through the portal.

Comparing Discount Car Insurance Companies – Things To Know Before Getting A Quote

You are looking for an insurance policy for your car. Several companies give you proposals; all of them are based on the same information which you provided. The policies have widely varying costs and proposals. How can you wisely choose the best policy and company?

Read carefully

Lay the policies down side by side. Some insurers are able to offer low rates by giving skeleton coverage. You gave the companies identical information but they may not have returned identical policies. Check the deductibles on the policies. Deductibles weigh heavily on the cost of insurance. See if all of the policies offer uninsured driver clauses. Look closely at coverage areas. Some companies restrict their policies if you drive extensively out of state.

Type of company

Just as with home loan companies there are auto insurance companies that specialize in writing insurance for people with poor credit and/or poor driving records. If you have requested a quote from this kind of company their response may automatically be considerably higher than other companies. If you don’t have poor credit and/or a poor driving record immediately eliminate from your search companies that serve these markets.

Investigate company records

States keep records of how insurance companies respond to their customers. Files on insurers will include their response times, their histories of paying claims, any complaints or suits filed against them as well as other important consumer information. Note and eliminate any companies which have numerous complaints against them.

Remember, having a low car insurance premium may not be worth much if you don’t have the coverage you need or can’t get your car insurance company to respond when you have an accident.

Please get as many quotes as possible to insure that you will be paying as little as possible while getting all of the coverage that you need without paying for what you don’t.

Compare Term Life Insurance – The Only Way To Save Money

Term life insurance shopping is easier than shopping for the equity based permanent plans. It is much easier to compare term life insurance because it is the simplest form of all life insurance policies. Term life insurance consists of a few things that make your shopping relatively easy. Term life insurance means that there is a definite term or period of time that you are insured. The insurance coverage will cease at the end of the term period. The first thing that you must choose is the time period that you need the coverage. A home mortgage policy is the best and easiest example. It is usually a decreasing term policy that declines at approximately the same rate as the home mortgage. It is the perfect policy to protect your home. The amount of insurance and the time period is already in place and that enables you to have a well defined quote comparison.

There are some things to consider when comparing term to term. Most of your insurance carriers will be stock companies. They are owned and operated by the stockholders. Their policies have no dividends. Mutual Insurance companies are technically owned by the policyholders and so a dividend is often returned back to the insured. It is better to compare stock companies with stock companies and mutual companies with mutual companies when shopping for term life insurance.

The online shopper has a great advantage when comparing term life insurance. It makes it so much easier when they are looking for term Life insurance. The permanent plans have so many variables and options as compared to term life insurance. Make sure that you compare the same face amounts with the same time periods. Term policies are sometimes sold in b ands. That means that the rates for higher face amounts may decline per thous and dollars of coverage. You can be aggressive when you know the amount of coverage you need and the length of time you need it. Determine those two needs and then shop until you drop.

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